Business Auto
Ensuring your coverage is correct before a claim occurs.
The Business Auto policy is often considered fairly straightforward. However, it does present some challenges of its own. Perhaps the most common mistake that clients and insurance agents make with their Business Auto insurance is an understanding of how this insurance operates. It is particularly important to understand that the structure of the policy intends to provide coverage for the Named Insured for covered autos while being operated by permissible drivers.
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Coverage Types
Auto Pollution Liability
Many more businesses than you realize are prone to losses to pollution liability resulting from the use of their vehicles. Contractors will often have a tank mounted on their pickup truck to fuel their off-road equipment. Fuel spills from the tank of this vehicle will need appropriate pollution coverage. Auto Pollution Liability provides coverage for any cost or expense arising from:
- Any request, demand or order; or
- Any claim or suit by or on behalf of a governmental authority demanding the insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize or in any way respond to, or assess the effects of pollutants.
The loss or damage must result from the upset, overturn or damage as a result of the maintenance or use of a covered auto. The discharge, dispersal, seepage, migration, release or escape of the pollutants must be caused directly by such upset, overturn or damage.
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Bodily Injury and Property Damage Liability
Liability protects you for your legal responsibility, and resulting lawsuits, caused by an automobile accident. The protection afforded by this coverage includes bodily injuries to another person or persons and/or damage to property.
The importance of selecting the right amount of coverage cannot be understated. The law requires the responsible party to make restitution for damages in the form of cash payments. If you do not have enough insurance to pay for the judgment against you, you will be personally responsible to pay the excess amount out of your own pocket. If you are unable to do that from your current earnings then a judgment against your future earnings may be assessed.
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Collision
Collision coverage pays for damage to your vehicle caused by the colliding of two or more objects. The basic policy pays up to the actual cash value of the insured vehicle at the time of loss.
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Coverage for Injury to Leased Workers
This endorsement redefines the definition of employee in the general liability coverage form to include coverage for leased workers.
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Drive Other Car
Everyone needs the benefits that flow from a Personal Auto Insurance Policy. These valuable benefits include coverage individuals while operating non-owned vehicles, coverage for Medical Payments and Uninsured and Underinsured Benefits for the specified individuals. Drive Other Car coverage modifies the commercial auto policy to provide for limited personal auto coverage as an extension of the Business Auto policy, even if no private passenger type autos exist in the policy. Covered persons include the specified individual and spouse, if members of the same household.
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Employee as Lessor
Perhaps the most common mistake business owners and insurance agents make relates to personally titled vehicles being added to a corporation’s insurance policy, or a policy that is not held by the title holder. Dangerous coverage gaps are created when this occurs that can leave the individual owner of that personally titled vehicle without coverage. Drive Other Car may be added, providing liability protection for an employee of yours, who leases an insured auto to you. Additionally, the insured auto will be considered an auto you own, and not a covered auto you hire, borrow or lease.Speak with a Rep Get a Quote
Employee Hired Autos
Does your business have employees who travel out of town and rent a vehicle in their personal name for business use? The Personal Auto Policy will most likely exclude coverage for the damage of the rented vehicle, as well as the liability that would results from that accident. Employee Hired Autos will provides both liability and physical damage protection for an auto rented in an employee’s name while used in the course of company business.Speak with a Rep Get a Quote
Employees as Insureds
Includes in the definition of “Who Is An Insured” an employee who drives their personal auto during the course of company business.
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Speak with a Rep Get a Quote
Fellow Employee Coverage
This provides liability protection for an employee suit brought against a fellow employee out of and in the course of employment.
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Hired and Non-owned Auto Liability
Nearly every business has the potential for losses arising out of its use of rented vehicles (Hired Autos) and vehicles it does not own (Non-owned Autos). Consider, for example, a general contractor that utilizes subcontractors. If that subcontractor were involved in an accident on the job site, the likelihood is great that the general contractor will be brought into a lawsuit on the basis of its vicarious liability. Also, what about the business owner who sends its employees to run errands in the employee’s vehicle? Hired and Non-owned Auto Liability provides valuable protection for the business from these types of lawsuits.
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Hired Auto Physical Damage
Does your business rent vehicles? If so, Hired Auto Physical Damage coverage is the answer to providing coverage for damage of the rented vehicle. Coverage may provide for Collision and Other Than Collision.
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Speak with a Rep Get a Quote
Lease/Loan Gap
While the standard insurance policy pays for the actual cash value of the vehicle, at the time of loss, there are instances where you may owe more than the standard insurance covers. A lease of a vehicle, or sometimes even a loan, will result in a contractual obligation that requires payment of more than the vehicle’s actual cash value, thereby leaving a shortage between what the insurance pays and what the bank requires you to pay. Lease/Loan Gap Coverage provides payment for this difference so that you are not obligated to pay this out of your own pocket.
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Medical Payments
Medical Payments provides an amount of money to pay for automobile related injuries to you or passengers of your insured vehicle.
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Other than Collision (Comprehensive)
This coverage provides payment for damage to your insured vehicle caused by a Comprehensive loss, sometimes termed Other-Than-Collision. Typical examples of claims falling into this category include fire, theft, vandalism, malicious mischief and breakage of a windshield. Collision with a bird or animal is also included as Comprehensive. The basic policy pays up to the actual cash value of the insured vehicle at the time of loss.
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Rental Reimbursement
Rental Reimbursement provides for payment of a rental car due to a covered loss to your insured vehicle. Hired Auto Physical Damage may be purchased which will provide coverage for the physical damage of the rental auto.
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Towing and Labor
Pays towing costs, and necessary labor expenses, completed at the scene of the disablement. This includes expenses such as roadside fueling of your car, a jump start or battery replacement, and changing a tire.
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Trailer Coverage
Trailer coverage may be added to provide for physical loss to trailers. Coverage may also be endorsed to provide liability coverage for trailers in excess of 2,000 lbs. gross vehicle weight, whether attached or detached from the power unit. Liability protection is provided automatically for trailers under 2,000 lbs. gross vehicle weight.
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Uninsured and Underinsured Motorists
Uninsured and Underinsured Motorists provides payment for bodily injury to you or passengers involved in an auto accident and caused by a driver with either no insurance (uninsured motorists) or not enough insurance (underinsured motorists). This coverage may also apply to bodily injury to an insured household member, caused by an uninsured or underinsured motorist while riding in a non-household vehicle, walking, or riding a bike.
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Uninsured Motorist Property Damage
Uninsured Motorist Property Damage pays for damage to your vehicle when it is hit by a positively identified underinsured motorist. If you insure your vehicle for full coverage then the collision coverage will pay for your vehicles. If you do not carry collision coverage, or you carry high deductibles, then Uninsured Motorist Property Damage is a good option to protect your vehicle from damage caused by a driver with no insurance. This coverage is subject to a $250 deductible.
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Other Insurances
Our Customers
McMichael Insurance was excellent to work with. They made shopping for the best price and coverage simple. They also made the transaction easy.
Mckenzie Mobley
15:38 24 Aug 26
Great people to work with. Kelsey has been such a big help and is very knowledgeable. Thank you!
Kristen Light
13:17 24 Jul 26
Very easy to work with!
Lucas Russell
13:55 11 Jun 26
Brian was very present and attentive during the onboarding process. They handled our client with great care and professionalism.
Paul Moore
13:42 01 Jun 26
Very easy to work with. Made sure I understood all about the insurance products they had to offer, even included videos. 100% recommend.
C Herritt
13:47 11 May 26
Great experience working with Kelsey, she was able to get us into a cheaper rate for both my home and auto.
Kevin
14:22 29 Apr 26
Great, personalized service with very responsive staff!
Jeffrey Starr
18:45 24 Apr 26
very helpful and knowledgeable about Medicare.
John Myers
16:51 23 Apr 26
Kelsey was very professional and did a fantastic job!
Jon Roach
15:22 09 Apr 26
Kelsey has made this switch of insurance so smooth, and she has been so efficient in every aspect. I also love the fact that I can call and talk directly to their team if I were to need anything; this was not the case before for me. I would HIGHLY recommend working with this team.
Alana Vaughn
19:33 07 Apr 26
Kelsey M. was great! I 100% recommend McMichael insurance!
Shannon G.
13:37 06 Apr 26
Josh was great! Very patient, knowledgeable and understanding.
Marcy Croyle
18:32 31 Mar 26
Kelsey was awesome! She was very knowledgeable, friendly, and very quick to respond to any questions I had!
Lia Motta
18:24 31 Mar 26
They talked me through the different options for home owners insurance and helped me make an informed decision.
Kevin Gerber
16:39 16 Mar 26
Working with Kelsey Mattson was great. She assisted me with a good home insurance policy.
Dragana Trifkovic
17:24 13 Mar 26
Kelseywas friendly, informative, and helpful. I received slightly better coverage at a reduced rate. What more can you ask for?
Travis Ressler
17:16 13 Mar 26
Josh was very helpful, thorough and informative. He made the transition to Medicare pretty seamless. He was also very prompt in all his responses.
Maureen Lancione
14:48 11 Mar 26
Chris did an unbelievable job for our family. In a matter of 2 months, we went from 4 drivers on 2 different policies, to a great new price for 3 drivers on one policy, with our daughter moving off our policy and our son added to our policy with a new car. Chris and all the agents who answered calls were always helpful, expert, and got us better pricing every time. Just like in Real Estate having an agency working for you, and an agent like Chris gets you the best deal! Thanks Chris! Thanks McMichael Insurance!!
John Clegg
14:40 11 Mar 26
Josh at McMichael Insurance was super helpful! He was super responsive, answered all our questions, and was able to help us find insurance to save $600/year! We had a great experience and would highly recommend them!
Erin Bossler
01:32 06 Mar 26
Kelsey made setting up my homeowners insurance a breeze. She handled everything effortlessly, even though I took longer than expected to respond to her calls and emails. Despite my delayed responses, she remained prompt, friendly, and ensured that all my questions were answered.
Kendra
05:04 26 Feb 26
McMichael Insurance Agency has been excellent to work with. Their team is professional, responsive, and knowledgeable. They’ve made managing our homeowners, umbrella, and auto policies with Hanover Insurance simple and stress-free. Highly recommended!
Randy Smoot
22:46 20 Feb 26
Been with McMichael for 15 years. Always great customer service. Have and continue to recommend them.
Fran Leck
14:15 19 Feb 26
We had this company quote our Home and Auto and they were so quick and attentive to detail we had them quote 3 other policies for us. They won them all, and we won!Kelsey Mattson is wonderful to work with, ask for her!
mark moore
17:36 13 Feb 26
Justin B was great through the whole process of looking for insurance for my company. He was very transparent and got me the coverage i needed.
Scott Roop
14:21 30 Jan 26
Great experience with Dennis. Was able to upgrade our auto, home, condo policies and add an umbrella policy for the same cost as previous insurer.
Aaron Reynolds
17:16 19 Jan 26
Great customer service from Chris.
Lawrence Gruber
17:54 14 Jan 26
Great experience. Kelsey was the best.I was looking for a local agent that I can do business with. Glad I found them.
Mike Foster
17:30 12 Jan 26
Gerald was extremely helpful and patient with us as we changed insurance companies after years of being with a large well known national company. He saved us money and got us even better coverage. Win win!
Cathy Petricevic
11:46 06 Jan 26
Josh has been wonderful in navigating Medicare options!
Gina Zimmerman
14:21 03 Jan 26
Have been a loyal customer of McMichael’s for well over 35 years. There service is well beyond the normal company and I would never think of changing and would recommend to all
Dan Goodhart
15:11 30 Dec 25
My wife and I really enjoy working with McMichael Insurance. They saved us some money and it is comforting to know that we have some we can talk to if we run into issues and need help. They are extremely professional and deliver exceptional customer service. I would highly recommend them to anyone!
Zachary Churchill
14:08 23 Dec 25
Josh was very professional and kind. He saved me lots of money and time finding the good health insurance. Doing business with him was very rewarding.
J Jaroniec
14:13 15 Dec 25
McMichael Insurance had be up and running with insurance before my new car was even ready to be driven off the lot! Kelsey was great to work with. Very efficient and they got me and even better deal than what I had before. Excellent experience and highly recommend!
Kara Oster
15:59 05 Dec 25
Josh was so patient and informative.
Cynthia Masters
22:19 04 Dec 25
We had a great experience working with Kelsey M. At McMichaels's insurance! She was quick to respond to our questions and working with her to compare quotes & choose the right home & auto plan was really smooth.
Megan Colby
14:12 03 Dec 25
I appreciate the guidance & follow through to help cover our needs during a difficult time.
Stacy Rippey
15:17 09 Nov 25
I was referred to McMichael Insurance by a very reputable financial planning company and the results did not disappoint. After an analysis of our previous policies, we were offered better coverage at a lower cost. The advisors were very accommodating and helpful and they made it easy to make the switch.
Alan Ramsey
14:22 07 Nov 25
McMichael Insurance reached to us for several years to ask if there was anything they could offer us, when it was time for us to ask, they delivered and did a great job.
Bob R
13:59 05 Nov 25
Josh was an excellent help with my medical advantage plan. Thank you again Josh
chuck Famageltto
17:25 04 Nov 25
Business Insurance - Great follow up and a great help when needing guidance starting my business and what insurance to get
Michael Johnson
15:23 21 Oct 25
You worked hard to get us a good deal on the insurance and you were patient with us in communicating the policy.Thanks again, Bill and Pat.
Wm Hiner
12:45 21 Oct 25
Great Service and professional.Thanks
Peter A.
13:43 09 Oct 25
Kelsey was through, efficient and friendly and also will be saving me over a $1k a year.
Kelly Byrnes
15:13 17 Sep 25
McMichael has been an excellent value added resource to us. THey have taken the time to learn about our business. Reviewing contracts, bonding, and getting involved with sub contractors has been very helpful.
kurt kluznik
14:03 17 Sep 25
Working with Kelsey was very easy & professional.
Mike DiChiro
13:20 15 Sep 25
Very easy to work with, found insurance at lower rates than we currently pay.
Larry-Janet Sampson
19:31 07 Sep 25
Kelsey was so helpful in setting up our homeowners’ insurance and auto insurance! We moved here from out of state and didn’t know anyone in the area, so we hoped we would find someone trustworthy and knowledgeable to help us navigate our insurance needs. Kelsey was always available to answer our questions and give us peace of mind. Thank you Kelsey and McMichael Insurance for helping us find the perfect policies for us! We will definitely use McMichael for all our insurance policies in the future.
Jason P
18:11 03 Sep 25
All went well and we got great new rates---BUT everything is handled electronically including conversations. No personal phone calls to discuss things. I think there was one phone call to answer some questions but otherwise all was handled over the computer. While I appreciate the expediency-no one there knows us!
Abby Fishel
16:00 18 Aug 25
Joshua provided me with knowledge and resources on choosing my Medicare benefits. He followed up but did not pressure me to decide. He is a great resource!
Michelle Walters
14:57 18 Aug 25
Amazing to work with, very informative, patient. Went over every detail in great length. Communication was spot on. Staff was very friendly all the way through the process. 5 Stars all the way!
Stacie Pollack
14:46 13 Aug 25
Kelsey was an exceptional help to us in getting very prompt, efficient, FULL insurance coverage on a house we just purchased! So kind! So responsive. Better than 5 stars for certain. I will use her and McMichael insurance for all of my insurance needs that they can cover going forward! Thank you, Kelsey!
Dawn Bailey
14:10 31 Jul 25
Great communication, thorough, timely and professional.Made the prices seamless and easyThank youJoe
joe Anderson
23:21 25 Jul 25
They find me the best policies with little doing on my part except clicking a few signatures
Raymond Thomas
01:48 19 Jul 25
Always helpful, and response and action time is very quick!
Mary Beth Tuma
16:00 18 Jul 25
My experience working with Joshua has been phenomenal. Me and my wife both worked with him on our Medicare. He explained all the details in layman's terms so that I could make a informed decision. I would highly recommend him to others for all of your insurance needs
Kevin Brown
00:01 13 Jul 25
I was very impressed by the service and would recommend McMichaels Ins. Kealsey, the rep I worked with was very helpful, knowledgeable and pleasant.
Ruth Herman
13:28 02 Jul 25
I Think the people at McMichael's insurance are very helpful to their customers. Thank you.
marlene alborn
15:49 20 Jun 25
Okay it was a real one on one experience working with Josh I felt comfortable, I trusted him, and we constantly kept in touch and made me much less nervous about retiring. He is still keeping in contact with me and I will refer him to all my friends and family
Janet Proudfoot
13:06 18 Jun 25
McMichael was recommended by our financial advisors. They took time to look over our current policy and suggest changes where lacking. We increased several of our limits and still saved a lot. Very happy with our experience.
Debra Wessels
18:41 13 Jun 25
Josh took the time to answer all our questions and explain the police. He was very helpful! I would recommend him to anyone.
Therese Rucinski
19:00 04 Jun 25
I have been doing business with McMichael Insurance for too many years to remember and I have always received great friendly service!I would highly recommend them for your insurance carrier for whatever purpose.
Jennifer Statford
23:28 15 May 25
Very knowledgeable and easy to work with. Looking forward to working with a proactive company.
Richard Walker
13:52 30 Apr 25
I was looking for another insurance agent and read reviews on agencies in the area and decided to call McMichael Insurance. I was very lucky to get Dennis. He was very helpful and took his time explaining things to me. I am very happy with my rates and coverage and the excellant service I have received. I told my son to call them because I was so impressed with the help and patience I received from Dennis.
Judy Davidson
17:06 27 Mar 25
I was looking for new insurance and I reached out to Dennis at McMichael Insurance and he helped me so much! He answered all of my questions and got me better insurance than what I previously had for a better price. Would highly recommend if you're looking for better insurance than what you have!
Michelle Bahle
14:21 26 Mar 25
The customer service is outstanding. Any time I’ve had a question or concern, I call them and my questions are answered. I recently was due for a redetermination of my auto and home owners’ insurance, and Nick found me a much better deal than I had been getting. Outstanding agency to work with
GINA HOLDERBAUM
13:17 26 Mar 25
Very imformative. Dennis made sure to really go over all our options. Bottom line, we got better insurance coverage and reduced our costs.
Clay Howard
13:27 25 Mar 25
Great experience
Joshua Wallace
00:46 22 Mar 25
Dennis McMichael was very knowledgeable and efficient in preparing our insurance package at a price that we were pleased with
John Wirsing
13:10 20 Mar 25
Great to work with!
Tom Berigan
23:48 06 Mar 25
Faith got me a much better deal on my home/auto. She was responsive and handled everything quickly
Shelli Lubecky
22:06 04 Mar 25
Great customer service. Trustworthy and goes the extra mile.
CaleHeintz
16:03 27 Feb 25
Dennis and his team were willing to shop around rates for me when I needed a lower rate due to reduced income and because of my clean driving record for several years. His dedication to making the effort to provide affordable auto insurance for me when I needed it is what is most important to me to retain my loyalty as a client since I am a new customer to this agency. I appreciate his efforts.
Sara Karides Phillips
14:11 25 Feb 25
McMichael Insurance was very thorough in making sure my business and home had proper coverage including Umbrella Policy. In the end I had more insurance coverage than my previous agency provided and the cost was less.
Mario Salwan (The Garage Finisher)
03:21 13 Feb 25
Excellent customer service, people skills, knowledge, and competitive rates. McMichael was able to lower my premium and the video provided with the quote explaining it all is top tier! Thank you!
M B
21:12 06 Feb 25
5 stars for clarity, communication, and incredible rates! From first reaching out, McMichael Insurance was incredibly helpful. Dennis made us a video explaining what our quote actually means. He was super quick to respond to our follow-up questions, adjusting our plan in real time it seemed. We are super happy with their rates and our bundled home & auto!
Ms. Harper
14:53 03 Feb 25
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