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# Commercial Auto Insurance
Businesses that rely on vehicles for their operations should consider purchasing a commercial auto insurance policy. Certain federal or state laws may mandate that commercial vehicles and drivers have adequate commercial auto insurance. If you need commercial auto insurance or want to ensure your business is in compliance with applicable regulations, contact Sica Insurance & Financial Services today.
## What Is Commercial Auto Insurance?
A commercial auto insurance policy can help cover the costs (e.g., damaged property and/or medical expenses) of an auto accident that may be caused by you or another employee. Generally, commercial auto coverages include liability, collision, medical, comprehensive and uninsured/underinsured motorist coverage. There are additional coverages a business may need to add to their commercial auto insurance coverage. Our agency can help you review your business’s insurance needs and ensure you have the appropriate coverages.
## What Does Commercial Auto Insurance Cover?
Commercial auto insurance comprises various coverages, including:
* **Liability coverage** may provide repair costs for the other person’s vehicle or property. It also can provide coverage for the legal fees associated with a lawsuit for personal injury.
* **Comprehensive coverage** can provide complete protection for damages unrelated to an accident, such as losses related to theft, floods, vandalism and fires.
* **Collision coverage** may cover vehicle repair costs if an insured vehicle collides with another vehicle or object. Collision insurance may also help replace a totaled vehicle.
* **Medical payment** may provide coverage for passengers and the driver when there is a need for medical care resulting from an accident.
* **Uninsured motorist coverage** provides bodily injury coverage if an uninsured driver hits a business’s vehicle and injures its driver and passengers. Some uninsured motorist coverage also covers damage to the company vehicle.
* **Underinsured motorist coverage** provides coverage if an underinsured driver hits a business’s vehicle and injures its driver and passengers. Some underinsured motorist coverage also covers damage to the company vehicle.
Policy endorsements may be available to your business to help round out your policy. Add-ons may include roadside assistance coverage, towing reimbursement, hired non-owned coverage, rental reimbursement and gap coverage for auto loans or leases.
## How to Get Commercial Auto Insurance
If your business needs commercial auto insurance, we’re here to help. Contact Sica Insurance & Financial Services today for a quote or to discuss your commercial auto insurance needs.
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If you don’t have access to your insurance online, please fill out the form below and an associate from our office will give you a call to complete the quote.
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             » Cyber Liability Insurance
# Cyber Liability Insurance
Most businesses rely on internet-connected devices for their day-to-day operations. But technology exposes companies to hacking and other cyber threats. Cyber liability insurance helps cover financial losses due to data breaches and other cyber attacks.
Our agency is here to help you sort through your best options for cyber liability coverage. Contact us to learn more or to get your free quote today.
## What Is Cyber Liability Insurance?
Cyber insurance is recommended for businesses of all sizes that rely on technology to help streamline processes and stay in touch with customers.
A cyber liability insurance policy may help your business with the following:
* Customer or employee privacy lawsuits
* Lost income due to network outages
* Regulatory fines from governing agencies
* Legal services that are required to meet state and federal regulations
* Payments to recover files after a ransomware attack
* Expenses related to communicating with customers after a data breach
## Who Needs Cyber Liability Insurance?
Any business that collects and stores sensitive or proprietary information and uses internet-connected technology should consider cyber liability insurance. If you believe your business needs coverage, reach out to an agent today.
## Get Started With Cyber Liability Insurance
Cyber liability insurance could save your business from substantial out-of-pocket costs if you experience a cyber attack. Contact our agency today to get started with coverage.