business auto insurance

Auto insurance that keeps your business moving forward.

Your business may own one vehicle or an entire fleet — in either case you have specific automobile exposures that can adversely affect your operation’s bottom line in the event of an accident.

But that’s not where it ends. Your business is also legally responsible when your employees drive their own cars while running company errands or conducting business-related transactions. In addition, if an employee hires or leases a vehicle for company business, whether to go to a neighboring city or miles away, you also face significant risks.


Ensuring that you are protected with the correct coverage.

At Martin Insurance Group, we will review your operation and type of vehicle use to determine the appropriate coverage and liability limit options your business requires to protect against your exposures.

You can depend on our 30+ years of experience securing business auto insurance for our clients in New Jersey, Pennsylvania, and Connecticut, including companies and organizations in Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA.


Depending on your needs, your commercial auto insurance programmay include:

  • Bodily Injury Liability: Pays for bodily injury or death resulting from an accident for which you are at fault and, in most cases, provides you with legal defense.
  • Property Damage Liability: Provides you with protection if your vehicle accidentally damages another person’s property and, in most cases, provides legal defense.
  • Medical Payments: Pays for reasonable and necessary incurred medical expenses for you and your passengers as a result of a covered accident.
  • Uninsured Motorists: Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included to provide protection when the at-fault driver has insufficient insurance.
  • Comprehensive Physical Damage: Pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.
  • Collision: Pays for damage to your vehicle when it hits or is hit by another object.

Our staff will conduct an in-depth assessment of your operation to determine the auto insurance coverage you should consider. In addition, we can also help you with accident prevention thanks to driver safety programs designed to help identify and reduce at-risk driving behaviors.

Call now to speak with a representative about personal insurance. Martin has the experience and expertise to protect you, your family, and your possessions. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.

Q. Why do I need business auto insurance?

A. If you own or are thinking about starting a business, having insurance coverage should be one of your top priorities — right after incorporation and a business plan.

Without specialized coverage like business auto insurance, everything you put into a business could easily be wiped out with one accident, law suit, or other unplanned hardship. The Martin Insurance Group can help you assess your needs and get the right business insurance for your organization. Whether it’s as simple as a BOP (Business Owners Policy), or specialized industry coverage like bakery insurance or even cyber liability coverage, we can help.

Q. Why should I buy business auto insurance from you?

A. Martin Insurance Group works with hundreds of New Jersey, Pennsylvania, and Connecticut businesses of all sizes, in a diverse range of industries. Chances are, we have helped insure businesses similar to yours before ...READ MORE, so we know the ins and outs of your industry. What’s more, we have been selling insurance since 1983, and are a stable company you can trust.

Here are some additional reasons customers trust us for their commercial insurance needs:

We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. We can compare policies and pricing on coverage such as general liability, workers compensation, and business umbrella insurance from a variety of providers and help you choose the one that’s right for your business’ unique needs.

We might even recommend one business insurance provider for part of your coverage and another for other coverage – whatever makes the most sense.

We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your commercial insurance records are current. We’ll even help you through the auditing process. No more scrambling to meet dates or find certificates – your Martin team will make sure you are on the ball and in compliance.

Q. I already have business auto insurance. How do I know if it’s the right type or amount?

A. If you already have some form of business auto insurance, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.

Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.





Email: info@martinins.com • Toll-Free: 800.353.5000 • Telephone: 609.356.1500
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