Commercial Auto Insurance
Even if your vehicles are not the primary way your business makes money, they could end up becoming the primary way your company loses money. Without a quality business auto insurance policy you may be overpaying and still be left underinsured.
Business auto insurance is different than personal vehicle insurance. In many cases, not only are there multiple vehicles to cover, but also the liability from accidents or claims that will extend to your business as a whole.
Making sure your coverage levels for your commercial auto insurance are high enough to protect your business (not to mention you personally) from claims—even those which are unwarranted—can ensure you avoid a devastating change of luck.
Worried about costs?
Don’t be. Business auto insurance is remarkably inexpensive, especially given how important the protection is to your business.
What should my business auto policy cover?
Commercial auto insurance can provide coverage for all of these risks:
- Bodily Injury Liability
- Comprehensive and Collision Coverage
- Hired and Non-owned Liability
- Medical Payments
- Uninsured and Underinsured Motorists Coverage
Why do I need such comprehensive coverage?
Business owners are taking notes on how to make a purchase more convenient for customers. Employees of our local businesses often drive to and from clients or vendors, on daily deliveries, irregular duties, or errands as requested.
While this may help keep sales on the rise, when your employee uses a vehicle for business purposes, their personal auto policy coverage NO LONGER APPLIES in the event of an accident, property damage, or fatality caused by one of your employees.
This is a serious distinction many business owners either don’t know, or try not to think about. But it is a fact that can cost you your entire business in a single moment.
What to expect from our agency
A commercial auto policy, also known as business auto, is purchased and set in place to protect your business if a claim were to arise. At our agency, you’ll speak with an experienced agent to choose a policy that fits your particular business needs.
Whether the driving of the vehicle is for the occasional run, a possible new venture, or a daily necessity, we are here to make sure coverage is applicable and answer any questions you may have.
The only question you really need to answer:
Can you afford to expose your income, your personal property, and your employees to this high level of risk? If the answer is “no” then we can help.