Whether you own one company car or manage a fleet of trucks, your business vehicles need specialized protection. Personal auto policies usually do not cover vehicles used for business, which is why commercial auto insurance is essential.

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At The Way Agency, we help businesses in Mount Washington and Bullitt County protect their vehicles, drivers, and operations with affordable commercial auto coverage. As an independent agency, we work with 40+ carriers to compare rates and find the best value for your business.

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Why Businesses Need Commercial Auto Insurance

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Commercial auto insurance protects your company from costly risks, including:

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• Accidents involving company vehicles
• Liability for injuries or property damage
• Repair or replacement of vehicles after a collision
• Coverage for tools, equipment, or goods being transported
• Medical payments for drivers and passengers

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Without proper coverage, one accident could create massive expenses for your business.

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What Does Commercial Auto Insurance Cover?

A commercial auto insurance policy in Kentucky typically includes:

• Liability Coverage – Pays for injuries or property damage you cause in an accident.
• Collision Coverage – Pays to repair or replace your vehicle after an accident.
• Comprehensive Coverage – Covers non-collision damage like theft, vandalism, or storms.
• Medical Payments – Helps cover medical costs for drivers and passengers.
• Uninsured/Underinsured Motorist – Protection if you’re hit by a driver with little or no insurance.
• Hired & Non-Owned Auto – Covers vehicles your employees use but your business doesn’t own (like rentals or personal vehicles used for work).

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Who Needs Commercial Auto Coverage in Mount Washington?

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If your business uses vehicles for work, you likely need coverage. Common industries include:

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• Contractors & Construction Companies – Trucks, vans, and equipment haulers.
• Delivery & Courier Services – Vans or cars making local deliveries.
• Service Businesses – Electricians, plumbers, HVAC, landscapers, cleaners, etc.
• Sales & Professional Services – Employees using vehicles for client visits.
• Retail & Restaurants – Businesses that offer catering or delivery.

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Even a single car used for business errands may require commercial auto coverage.

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How Much Does Commercial Auto Insurance Cost?

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The cost of commercial auto insurance in Mount Washington, KY depends on:

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• Number of vehicles
• Type of vehicles (sedans vs. heavy trucks)
• How vehicles are used (local driving vs. long-haul)
• Driving records of employees
• Coverage limits and deductibles

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On average, small businesses in Kentucky pay between $600 and $2,500 per year per vehicle for coverage. We’ll shop rates across 40+ carriers to get you the best deal.

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Why Choose The Way Agency for Commercial Auto Insurance?

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• Local Knowledge – We understand the needs of Mount Washington businesses.
• Carrier Access – With 40+ companies, we compare rates so you don’t have to.
• Tailored Policies – Whether you have one van or a fleet of trucks, we’ll customize coverage.
• Call/Text Friendly – Reach us the way you prefer, for quotes or quick service.
• Trusted Since 2006 – A proven partner for businesses across Bullitt County.

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Frequently Asked Questions About Commercial Auto Insurance in Mount Washington, KY

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1. Is commercial auto insurance required in Kentucky?
   Yes. Businesses with vehicles must carry liability coverage that meets or exceeds Kentucky’s minimum requirements.
2. What’s the difference between commercial and personal auto insurance?
   Personal policies usually exclude business use. Commercial policies cover vehicles, drivers, and risks tied to your business.
3. Does commercial auto insurance cover employees driving their own cars?
   Not usually. You’ll need hired & non-owned auto coverage for that.
4. Can I insure multiple vehicles under one policy?
   Yes. Fleet policies can cover multiple vehicles, often at discounted rates.
5. How fast can I get a commercial auto quote?
   Most quotes are available within 24–48 hours, depending on the number of vehicles and drivers.

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Request Your Free Commercial Auto Insurance Quote

If you’re looking for commercial auto insurance in Mount Washington, KY, let The Way Agency protect your business vehicles and drivers.

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📞 Call/Text us: (502) 413-5335
📍 Visit us: 435 N Bardstown Rd, Suite 7, Mount Washington, KY 40047
💻 Request a free quote online

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Drive your business forward with confidence — backed by local experts who care.

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