steering you away from financial risk and toward security.
Reasons to consider commercial auto insurance include:
1. If your employees drive vehicles on company time 2. If you or employees use a vehicle as a limousine or taxi 3. If you have a partnership or corporation that owns vehicles 4. If your vehicles are registered or titled to your business
What is Commercial Auto Insurance?
Commercial auto insurance is designed to cover automobiles used for business, your employees’ expenses if they have an accident in one of those vehicles, and the additional liability involved when using a vehicle for any commercial purpose.
Liability is a potential issue anytime other people’s safety and property are at stake. If you or your employees cause an accident while transporting people or goods, your company assets can be at stake. You should have commercial auto insurance to cover the costs of injuries and/or property damage your company may be responsible for, and any potential liability lawsuits.
There are other advantages offered by commercial auto insurance, too. If you own a small business that operates a fleet of vehicles, your commercial auto insurance policy will cover claims on any of those vehicles. In addition, if you carry commercial equipment in your business vehicles and there is an incident that damages that equipment, it is typically covered under a single deductible.
Many small business owners believe that the cars they use for business will be covered by personal auto policies. Business owners often discover that they need commercial auto insurance for a vehicle used for business after they try to make a claim on a personal policy and get denied by their insurance carrier. Don't get caught unaware and without the proper coverage to protect your commercial assets.
To ensure that you get the commercial vehicle insurance you need, it's crucial speak with an experienced agent and select the correct policy for your specific business type, risks,and budget. Whether you own a large or small business – even if you are self-employed – commercial auto insurance will provide the security and piece of mind that your business requires.
Getting the right commercial auto coverage starts with expert consultation. We will review your company's unique needs and previous policies, explain the options, and craft coverage that fits your business. Our access to the top carriers means that you will get the policy you need at a price you can afford. We look forward to serving you!