Frederick Mutual Insurance Company is pleased to have available the Commercial Automobile Program. The perfect complement to our other product lines, the Commercial Automobile Program is competitive and beneficial to our policyholders and agents. Every business has a potential exposure to automobile liability or physical damage as a result of their daily operations. Our program provides the liability and physical damage protection necessary to protect a single vehicle or an entire fleet.

LIABILITY COVERAGES

• Provides protection for bodily injury and property damage caused by an accident and resulting from the ownership, maintenance or use of a covered auto

PHYSICAL DAMAGE COVERAGES

• Comprehensive Coverage is loss from any cause except collision with another object or overturn of the auto
• Collision Coverage is any collision with another object or overturn of the auto
• Towing and Labor costs are available for private passenger type vehicles
• Glass Coverage is available for those who carry Comprehensive Coverage – hitting a bird or animal, falling objects or missiles

UNINSURED MOTORISTS COVERAGE

• For costs resulting from an accident which involves a hit and run driver or a driver who does not have insurance

Owned Autos - provides protection for claims arising out of ownership

Hired Autos - provides protection for a vehicle you or your employee rent or borrow for business

Non-Owned Autos - provides protection for partners, employees, members of households using the vehicle for your business or personal affairs

Light Trailers - “trailers” with a load capacity of 2,000 pounds or less designed primarily for travel on public roads

We offer competitive based rates and are able to adjust these rates for businesses who demonstrate favorable loss experience.

We have the capability of offering fleet credits when there are three (3) or more self-propelled autos of any type that are under one ownership.