Even if your commercial vehicles are not the primary way your business makes money, its always smart to properly insure the vehicles you depend on as a business owner.
Commercial 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 the coverage for your commercial auto insurance is comprehensive is one the the easiest ways to protect your business. Don't hesitate, call today.
What should my business auto policy cover?
Commercial auto insurance coverage may include:
- Comprehensive and Collision
- Emergency Roadside Assistance
- Liability
- Medical Payments
- Loss of Earnings
- Uninsured Motor Vehicle
Why do I need such comprehensive coverage?
When your employees use a company 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.
What to expect from our company
At our firm, you’ll speak with an experienced agent whose main goal is to design a policy to fit to your particular business needs.
Whether your commercial vehicle is for occasional use, a possible new venture, or a daily necessity, we are here to make sure coverage is applicable and answer any questions you may have.
A cautionary tale
As one business owner found out, it’s always best to ask if you don’t know what type of policies you may need.
This owner had a love for fashion and a knack for finding gently used clothing. One day, she decided to take a leap of faith and open her own vintage clothing boutique.
It didn’t take long for business to start booming for the boutique. It wasn’t long before she had an epiphany: Why not complete personal deliveries for locals?
It wasn't long before she was making deliveries, when the unthinkable occurred: she backed into a young man on a bicycle. While he was not seriously injured, he was hospitalized overnight for monitoring.
The next day a claims adjuster called to inform her that since she was doing business at the time of the accident, the claim would not be covered by her personal insurance policy.
Stuck with a huge hospital bill and letter of lawsuit from the biker’s attorney, she was forced to shut down her business.
Answer this one question:
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.
Why we're different
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.
Contact us, and let our insurance professionals help you protect what you care about most.