When it comes to protecting your commercial vehicles, choosing the right insurance coverage is essential. At LMD Insurance Group, we offer a range of comprehensive insurance options designed to safeguard your valuable assets against unforeseen risks. Whether you are a fleet owner, independent contractor, or business owner, our coverage provides the peace of mind you need to keep your operations running smoothly.

Here are seven key features of LMD Insurance Group's physical damage coverage that set us apart:

1. Collision Coverage

Accidents can happen to anyone, at any time. Our collision coverage protects your vehicles in the event of a collision with another vehicle or object, regardless of fault. This feature covers repair or replacement costs, ensuring that you are not left facing significant expenses that could disrupt your business operations.

2. Comprehensive Coverage

Not all damage comes from collisions. Our comprehensive coverage protects against non-collision incidents such as theft, vandalism, fire, hail, windstorms, falling objects, and other covered perils. This coverage is essential for protecting your vehicles from a wide range of risks, giving you financial security against unexpected events.

3. Specified Perils Coverage

Every business has unique needs. That's why we offer the option to select specified perils coverage, allowing you to customize your policy to cover only the risks most relevant to your business. This flexible approach ensures you get the exact protection you need without paying for unnecessary coverage.

4. Deductible Options

We understand that every business has different financial priorities. That's why we provide a range of deductible options to choose from, allowing you to balance your coverage and out-of-pocket costs according to your budget and risk tolerance. This flexibility ensures that you get the coverage you need at a price you can afford.

5. Coverage for Attached Equipment

Many commercial vehicles are equipped with specialized tools and equipment that are vital to business operations. Our optional coverage for attached equipment, such as lifts, cranes, and toolboxes, ensures that your investments in these tools are protected against damage or loss. This feature helps you avoid additional expenses in case of an incident, allowing your business to continue without interruptions.

6. Towing and Roadside Assistance

Breakdowns, flat tires, dead batteries, and other roadside emergencies can happen at any time. Our optional towing and roadside assistance coverage provides prompt help whenever you need it, minimizing downtime and keeping your vehicles—and your business—on the road.

7. Rental Reimbursement and Gap Insurance

When your vehicle is undergoing repairs due to a covered loss, rental reimbursement coverage can help you maintain business continuity by covering the cost of a temporary replacement vehicle. Additionally, our gap insurance option covers the difference between the actual cash value of your vehicle and the amount owed on your lease or loan in the event of a total loss, ensuring that you are not left with out-of-pocket expenses.

Why Choose LMD Insurance Group?

At LMD Insurance Group, we specialize in providing comprehensive, customizable coverage to meet the specific needs of our clients. With our industry expertise, competitive rates, and responsive claims handling, we are dedicated to protecting your business investments and providing peace of mind on the road.

Protect Your Investment Today

Don’t leave your commercial vehicles exposed to potential risks. Contact LMD Insurance Group today to learn more about our coverage options and get a customized insurance quote tailored to your business needs.