When your business depends on wheels, every mile matters. Whether you are sending a delivery van across town, running a fleet of taxis, or simply using a company car to meet clients, your vehicles are more than transportation– they are the engine of your livelihood.
Having the right commercial auto insurance in Salem, Lynn, Peabody, Beverly, Marblehead, Swampscott, MA, and beyond, is not just smart – it is essential for protecting your business, employees, and future! Let our agents help you find the right coverage to keep you protected on the go! Get a quote today.
Massachusetts requires commercial vehicles to carry minimum liability coverage, but minimum limits are rarely enough for most businesses.
A commercial auto policy typically includes:
Depending on how your vehicles are used, additional coverage may be necessary. For example, vehicles used for deliveries, contracting, or transporting equipment often carry higher liability limits due to increased exposure.
We review your business operations carefully so your policy reflects how your vehicles are actually used, not just the legal minimum requirements.
Owning or operating a business comes with responsibilities– and road risks are among the most unpredictable. A single accident could mean not only vehicle repairs, but also medical bills, legal costs, and the disruption of your business operations.
Commercial auto insurance safeguards you against these setbacks, providing protection for bodily injury, property damage, collisions, and even lawsuits tied to business vehicle use. With a properly tailored commercial auto policy, you can drive forward knowing your business is protected every time the key is turned!
A strong commercial auto insurance policy combines multiple forms of protection so you can focus on running your business!
Our policies include protection for:
Protects your company if you or your employees cause injury or damage to others
Pays for damage to your vehicles, whether from an accident, theft, vandalism, or storms.
Ensures you are not left paying the price when another driver has little or no insurance.
Helps cover medical expenses for you, your drivers, and passengers after an accident.
At Farquhar & Black we offer a range of commercial auto insurance coverages that do not fit in a box. Our optional coverages include: rental reimbursement, roadside assistance, coverage for employees using personal vehicles for business, and more!
Commercial auto insurance often includes coverage options that differ from personal auto policies.
For contractors, delivery services, and fleet operators in the North Shore area, these details matter. The structure of your policy should reflect the type of vehicles you operate and the industries you serve.
From contractors to limo services, our commercial auto insurance for Salem, Lynn, Peabody, Beverly, Marblehead, Swampscott, MA, and beyond, is designed to keep local businesses moving. If your company owns, leases, or even occasionally uses vehicles for work, you need the right coverage in place. We offer commercial auto insurance for
Two businesses may both own trucks, but their risks can be very different. A landscaping company, a plumbing contractor, and a courier service all face distinct exposures.
Some carriers are more competitive for small fleets. Others provide stronger underwriting for specialty vehicles or higher liability limits. Reviewing deductibles, driver eligibility, and claims history can also impact premium and coverage structure.
As an independent agency, we compare commercial auto options from carriers such as Quincy Mutual, Travelers, Merrimack Mutual, and Zurich. That flexibility allows us to align coverage with your business operations instead of forcing your business into a single carrier template.
Farquhar and Black has worked with Massachusetts businesses for more than 160 years. We understand the transportation risks facing contractors, service professionals, and fleet operators across Salem, Lynn, Peabody, Beverly, Marblehead, and Swampscott.
When accidents happen, business owners need responsive claims guidance and practical advice. Our 94 percent client retention rate reflects long standing relationships built on consistent service and direct communication.
Questions? We have answers.
Yes. Businesses that own or operate vehicles must carry state required minimum liability and related coverages.
Commercial auto policies are structured for business use, higher liability exposures, and multiple drivers. Personal policies typically exclude most business activities.
This coverage protects your business if employees use personal vehicles for company business or if you rent vehicles for work purposes.
The appropriate limits depend on the size of your business, vehicle use, industry exposure, and financial risk tolerance. Many businesses carry limits higher than state minimums to better protect company assets.
Whether you’re managing a fleet, running a delivery service, or using a single company vehicle, we design policies tailored just for you.
