If you own a business that requires the use of vehicles for any company activities, you need a commercial auto insurance policy. Commercial insurance policies are designed to protect you against a wide variety of the liability issues you face when you or your employees are on the road. Commercial auto insurance coverage isn't just about big semi-trucks, buses or taxi services. Commercial vehicles actually can include what you
might consider “regular vehicles,” such as cars. Even if you use a small compact car or pickup truck for personal uses like going to the store, getting gas, or nights on the town, as far as car insurance companies are concerned, it may be a commercial vehicle if you also use it for business purposes.
While you may have other insurance policies in place to protect your company from liability, fire, or theft, commercial auto is the policy that will protect your company when you or your employees are on the road. Without a commercial auto policy, if an accident were to occur, you and your Company will be held accountable for property damage and injuries. Whether your company has one car or a hundred delivery vans, there is a commercial policy that will suit your needs. You can obtain individual commercial policies for each vehicle used by the company, or choose a fleet policy if you have more than a few cars.
Every business has unique circumstances, and each insurance company may handle the circumstances differently. To review your specific commercial auto insurance needs and options, please feel free to contact me. I am happy to review your current situation with you and help you decide which auto insurance options are best for you!
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