New program offers comprehensive, collision, towing & storage. Over 30 years fast & easy claims experience!
So, you’re looking for physical damage insurance – you’ve come to the right place!
Protecting your livery vehicles from collision and comprehensive perils is essential to your business success. Without proper physical damage coverage, you risk significant financial losses when vehicles are damaged, stolen, or destroyed. With over 30 years of experience in the for-hire, livery insurance business, American Business Insurance currently insures over 50,000 vehicles nationwide. We have experience providing customized stand-alone physical damage insurance solutions for all types of operations from owner/operators to fleets with hundreds of vehicles.
We insure over 50,000 commercial vehicles nationwide.
Comprehensive Coverage
Protects your livery vehicles from non-collision perils including theft, vandalism, fire, flood, hail, falling objects, and animal strikes. This coverage is essential for protecting your fleet assets from the unexpected events that can occur when vehicles are parked, stored, or operating in various conditions.
Whether your vehicle is stolen from a parking lot, damaged by a severe storm, or vandalized while waiting for a passenger, comprehensive coverage ensures you’re financially protected. All physical damage policies include a deductible, typically ranging from $500-$5,000, giving you flexibility to balance premium costs with out-of-pocket expenses.
Collision Coverage
Protects your livery vehicles from damage resulting from accidents with other vehicles or objects, regardless of fault. This coverage is critical if you are leasing or financing your vehicles since you have an outstanding loan or lien. Collision coverage ensures your vehicles can be repaired or replaced quickly, minimizing downtime and keeping your business operational.
From multi-vehicle accidents on busy highways to backing incidents in tight parking areas, collision coverage responds to the real-world scenarios your drivers face daily. Getting damaged vehicles back on the road quickly means maintaining revenue capacity and customer satisfaction in your competitive market.
Technology Forward Physical Damage Insurance
ID Cards, vehicle, and driver changes, 24.7 online.
We understand that vehicles & drivers need to be swapped out at a moment’s notice, that’s why we’ve created an online portal for you to submit changes, print Auto Identification Cards & Certificates 24 hours a day, 7 days a week.
In addition, for large fleet owners, we offer a full API to make vehicle changes and get ID cards, all from your own fleet management software or mobile app.
Physical Damage Insurance Highlights
We offer the most competitive pricing on physical damage insurance!
- Same-Day Policy Issuance: Get your vehicles covered within hours, not days or weeks—ideal for fleet expansion and immediate protection needs.
- Multiple Carriers: We shop multiple insurance carriers to find the best rates and coverage terms for your specific operation.
- Preferred Fleet Rates: Special pricing available for fleets with 50+ vehicles, recognizing economies of scale and professional management.
- Flexible Deductibles: Choose from a range of deductible options to balance premium costs with your fleet’s financial capacity.
- Towing & Storage Coverage: Optional coverage to protect against additional costs when vehicles need towing or storage after incidents.
- 30+ Years Experience: Superior claims service backed by decades of experience handling physical damage claims for commercial fleets.
- Dedicated Licensed Agents: Work with knowledgeable agents who understand your operation and provide personalized service throughout the policy lifecycle.
- 24/7 Online Access: Make vehicle and driver changes, and print ID cards and certificates anytime through our secure online portal.
- 50,000+ Vehicles Insured: Trusted by livery operators nationwide to protect their most valuable business assets.
More Questions? Call Us.
We’re here to help, 800-980-1950
Agents are available 8am-5pm
Monday – Friday, Pacific Time