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Lindenwood Agency Commercial Personal Insurance St. Charles St. Peters Missouri

1112A First Capitol Drive

St Charles, MO 63301

(636) 946-6133

Serving the commercial and personal insurance needs of St. Charles, St. Peters, O'Fallon and St. Louis for over 50 years!

  • Best Insurance Agent St. Charles

Commercial Auto Insurance

We specialize in providing comprehensive business & personal insurance plans with competitive pricing to St. Charles, St. Peters, O'Fallon, St. Louis, and surrounding areas. We are fully licensed and accredited and work with all major insurance companies to get you the best rates possible. Send us a message or give us a call, we can handle all of your insurance needs!

Commercial Auto Insurance

Protecting your company’s vehicles with business car insurance is extremely important for you’re the longevity of your company. Vehicles are one of the most important tools your business has. Whether you need the car to get to a job site, deliver products or just to get around town, they are vital to most businesses. Business car insurance can provide protection against legal expenses from medical or death that your vehicle caused, as well as property damage. 

 

Types of Commercial Auto Insurance Policies

• Split Limits- Generally, this is the most common type of auto insurance that is purchased on the personal lines side but not as common commercially. Split limits contain coverage for bodily injury per person, bodily injury per accident and property damage coverage. A common coverage level would be 100/300/100. That means $100,000 in coverage per person, $300,000 per accident and $100,000 in property damage. 

 

 

• Combined Single Limit: This is the simplest form of auto insurance as far as limits go, and the most common type used on commercial policies. CSL is a set number that the insurance company will pay combing both the bodily injury limits and property damage. For instance, if you carried $500,000 combined single limit then the most the policy would pay out per accident is $500,000 combining both bodily injury liability and property damage.

 

What's Included in a Business Auto Insurance Policy

• Bodily Injury Liability: This component of a car insurance policy is the most important component. Bodily injury liability insurance provides coverage for others that your vehicle has caused harm to. In particular, this component provides coverage to the other party that sustained an injury in an accident. 

 

• Physical Damage Liability: This component of the liability insurance provides coverage for physical damage you cause to property in an accident. 

 

• Collision Coverage: This component of an auto policy protects you, the insured and your vehicle from damage done during an auto collision. This coverage includes a deductible that must be paid before the insurance will be applied. 

 

• Comprehensive Coverage: This component is also referred to as “other than collision” which means this is for damage to your car for factors other than a collision. Types of claims that fall under this component of auto insurance would be theft, fire, damage caused by animals or other “acts of god.

 

Schedule a consultation with Lindenwood Agency in St. Charles

Lindenwood Agency specializes in providing comprehensive business & personal insurance plans with competitive pricing to St. Charles, St. Peters, O'Fallon, St. Louis, and surrounding areas. We are fully licensed and accredited and work with all major insurance companies to get you the best rates possible. Once we understand your insurance needs we will use every resource to secure the proper coverage at the most competitive prices available.

If you have any questions or want to set up an appointment, contact us or give us a call- 636-946-6133!

Types of Insurance We Offer

  • Business Owner's Insurance

  • Business Property Insurance

  • General Liability Insurance

  • Business Income Insurance

  • Workers Compensation Insurance

  • Commercial Umbrella Insurance

  • Commercial Building Insurance

  • Business Inland Marine Insurance

  • Business Personal Property Insurance

  • Business Surety & Fidelity Bonds

  • ...and more!

 

  • Homeowners Insurance

  • Auto/Car Insurance

  • Personal Umbrella Insurance

  • Renter's Insurance

  • Condo Insurance

  • Landlord Insurance

  • Personal Articles/Possessions

  • Personal Inland Marine Insurance

  • RV/Boat/Trailer Insurance

  • Flood Insurance

  • ...and more!

 

We've Served the commercial and personal insurance needs of St. Charles, St. Peters, O'Fallon and St. Louis for over 50 years!

WHAT OUR CLIENTS THINK

As a fine art company with a lot of high priced inventory moving around and being stored, we had a lot of unique questions and circumstances. The Lindenwood Agency was quick to answer and address any concerns we had. At the end of the day, they delivered a policy to fit our exact needs and left no doubt in our mind about coverage. You could tell they genuinely cared about getting us the proper coverage, they were looking out for things we had not even considered. We would wholeheartedly recommend Lindenwood Agency for any business that values personal attention and vast insurance knowledge.

Ryan, Lucks Fine Art

"For years the Lindenwood Agency has taken care of my growing business and it's ever-changing insurance needs.  Their knowledge and experience ensure I'm receiving the best policy at the best price so I can focus my time where it counts.  The responsiveness and one-on-one care I receive repeatedly proves their dedication to my insurance needs so I can be positive I'm in good hands."   

Tim, Clayton, MO