Automobile Insurance

Whether you need coverage for a sedan used by staff or have a fleet of vans and buses, a commercial auto policy is essential. Transportation is a big part of most organizations and everyone has different needs.

From the staff’s company vehicles, 15 passenger vans, and mini-buses all the way up to 56 passenger coaches, we have the means to keep your ministry on the move. We can even provide coverage in the event you do not own a vehicle, but may rent or borrow one for business purposes.

Commercial Auto coverage includes protection not just for the vehicle or damage caused to property. It provides financial protection for your greatest asset, the drivers and passengers you are transporting in the name of your ministry. We protect the organization, students, congregants, volunteers and employees from injury costs, lawsuits, legal fees and settlement fees in the event of an accident.

We offer commercial auto coverage that goes above and beyond what most agencies can offer in today’s market, especially covering 15 passenger vans.

commercial auto insurance coverage photo

Risk Management Practices

Risk Management practices assist in the following:​

  • Combined Single Limit Coverage
  • Medical Payment
  • Personal Injury Protection
  • Uninsured Motorist/Underinsured Motorist
  • Physical Damage- Comprehensive/Collision

Receive the Right Commercial Auto Insurance Coverage!

Call the experienced insurance agents at Beacon Insurance Agency to learn more about the insurance coverage we provide today!

Protect Your Church on the Road

As a church insurance agency, Beacon Insurance works closely with our clients to provide them with all types of church insurance to ensure their safety in all situations. This includes uniquely tailored commercial auto insurance policy packages. Ministry and service rely heavily on the ability to go out into the community. So transportation plays an essential role in accomplishing that. Unfortunately, transportation is also one of the most recognized risk factors.

Accidents can cause tragic consequences for the individuals involved as well as the entire community. Moreover, the financial implications of these accidents can endanger the ability of your organization to maintain its function.

GuideOne Insurance

At Beacon, we offer GuideOne Insurance to provide business automobile insurance policies that are essential to sufficiently protect your church. Oftentimes, accidents are avoidable. Sometimes, they happen because drivers are not sufficiently trained to handle sizeable vehicles. Other times, poor maintenance of the vehicle or inconsistent safety inspections play a role. For these reasons, we strongly urge our clients to establish a transportation program. It should include insurance coverage and risk management practices to protect members, youth, volunteers, and employees from injury, lawsuits, escalating legal fees, and fatalities.

When there is an accident, your church can be held liable for injuries suffered by passengers and may face court costs, legal fees, and settlement costs. Even for organizations that have not been found liable, the cost of defense can be to great a burden for a church to survive. For that reason, it is essential to have commercial automobile insurance that covers transportation risks for the church’s owned, non-owned, and hired vehicles for liabilities that may be incurred in the event of an accident.

The Risks in 10, 12 and 15 Passenger Vans

There are several risks involved with driving a 10, 12 or 15 passenger van for your church, school or nonprofit organization.

  • Rollovers
  • Inexperienced drivers
  • Infrequent use

Frequently Asked Questions About Commercial Automobile Insurance

Is a fifteen-passenger van covered in automobile insurance?

Yes, if it is commercial automobile insurance. Training resources should also be provided to the driver(s) so they are aware of the unique aspects of driving a vehicle of this type and size.

Keep your ministry safely on the move with commercial auto insurance coverage! Call Beacon Insurance Agency to talk to one of our agents about your insurance needs today!

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