Protect Your Business Vehicles

Protect Your Business Vehicles in Des Moines, IA & Beyond

Your business depends on company vehicles to deliver goods, transport workers, and keep operations running.

But what happens when an accident, theft, or severe Iowa weather suddenly takes them off the road?

Without the right commercial auto insurance, you could face costly repairs, legal claims, and unexpected downtime—all of which can hurt your profits and put your business at risk.

At The Insurance Specialists Inc., we provide customized commercial auto insurance in Des Moines, IA, as well as Ankeny, West Des Moines, Urbandale, and surrounding areas, ensuring your business stays protected and operational.

Our coverage helps you recover quickly from:

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    Theft and vandalism,

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    Severe weather damage,

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    Fire damage,

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    And liability claims.

Whether you operate a delivery service, a contracting business, or a company fleet, our policies give you the security to focus on growing your business—without the fear of unexpected losses.

Protect your business today! Get a fast, customized quote for Commercial Auto Insurance in Des Moines, IA—Contact The Insurance Specialists Inc. now!

Custom Solutions for Your Commercial Vehicles

At The Insurance Specialists, Inc., we know that every business has unique requirements when it comes to insuring their vehicles.

That’s why we partner with leading insurance providers to offer flexible plans tailored to your vehicle lineup.

Our goal is to deliver comprehensive coverage at rates that work for your budget, ensuring your vehicles and operations are protected.

  • Liability Coverage: Protects your business from costs related to injuries or damages caused by your company vehicles.

  • Collision Coverage: Helps cover repair expenses for your business vehicles after an accident.

  • Comprehensive Coverage: Safeguards your vehicles from non-collision incidents, including theft, vandalism, and weather-related damage.

  • Uninsured/Underinsured Motorist Coverage: Provides protection against drivers who don’t carry sufficient insurance.

  • Medical Payments Coverage: Covers medical costs for drivers and passengers in your commercial vehicles.

  • Emergency Assistance: Offers 24/7 roadside support to minimize downtime for your business.

Why Choose The Insurance Specialists, Inc.

Selecting the ideal insurance provider is crucial to keeping your business running smoothly. Here’s why companies trust us:

Professional Expertise

Our experienced team provides tailored recommendations, drawing from years of working with businesses across Iowa.

Flexible Coverage Options

We offer customizable policies that align with your unique business needs and operational objectives.

Affordable Solutions

Partnering with leading insurers allows us to present coverage options that balance quality and affordability for your budget.

Reliable Support

With strong connections to trusted insurance providers, we guarantee dependable, comprehensive protection at every turn.

Commercial Auto Insurance FAQ

We know that insuring your business vehicles can feel overwhelming, so we’ve compiled answers to the most frequently asked questions. Whether you’re a small business owner or managing a fleet, these FAQs will help clarify your coverage options and guide you through the commercial auto insurance process with confidence.

Commercial auto insurance typically covers vehicles used for business purposes. It includes liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.

Any business that uses vehicles for work purposes, whether transporting goods or employees, needs commercial auto insurance to protect against risks on the road.

No, personal auto insurance doesn’t usually cover vehicles used for business. Commercial policies provide the necessary coverage for business operations.

Hired auto coverage applies to vehicles rented or borrowed for business use, while non-owned auto insurance covers employees using their personal vehicles for business purposes.

Yes, commercial auto insurance policies can cover an entire fleet of vehicles, offering flexibility and convenience for businesses with multiple cars or trucks.

In most cases, trailers attached to a covered vehicle are included, but coverage for the trailer’s contents may require additional insurance.

It depends. If employees use their own cars for work purposes, non-owned auto insurance may be needed to provide coverage.

Rates are based on several factors, including the type of vehicle, how it’s used, driving history, and the number of miles driven annually.

Our Other Commercial Insurance Services

Discover our selection of customized commercial insurance solutions crafted to address the varying needs of business owners. Click the links below to explore each service and identify the coverage that aligns best with your business requirements.

  • Contractors’ General Liability Insurance: Protect your business from financial risks associated with third-party claims, including bodily injury, property damage, and legal costs.

  • Commercial General Liability Insurance: Protect your company from a variety of potential issues, such as third-party claims involving injuries, damage to property, and related legal fees, helping your business stay secure in the face of unexpected situations.

  • Business Owner Insurance: Combine property and liability coverage in a comprehensive policy designed specifically for small and medium-sized businesses.

  • Trucking Insurance: Ensure your trucks and drivers are protected with specialized coverage tailored for the trucking industry.

  • Bonds: Secure surety bonds for your business to guarantee the completion of projects and compliance with regulations.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

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