If you have a business that involves one or more vehicles, whether on a part-time or full-time basis, you should consider purchasing a Commercial Auto insurance policy.

Not only can it cover your vehicles, but it can also protect your business from lawsuits resulting from accidents caused by your employees.  Coverages provided by a Commercial Auto policy can include: liability coverage to pay for injuries or property damage that you or one of your drivers causes when operating a business vehicle, collision coverage for the vehicles, and comprehensive coverage to protect against vandalism and theft.

Some common misperceptions concerning Commercial Auto insurance include the following:

• “I already have general liability insurance for my business so I don’t need to purchase a Commercial Auto policy”: In most cases, a general liability insurance policy will explicitly exclude coverage for any accidents which occur when driving for business. A general liability policy isn’t structured to cover the risks associated with driving vehicles used for a business. As a result, both types of insurance are often required to fully protect your business.
• “If I buy a Commercial Auto policy, then everything that I’m transporting in my vehicles is covered”: A Commercial Auto policy is only intended to protect the vehicles used for business as well as the liability. In most instances, the content in your vehicles isn’t covered. You would need to purchase a different type of commercial insurance policy in order to cover business property in transit.

The best way to determine what type of Commercial Auto insurance you should purchase is to ask a licensed agent in our office. We can assist you with assessing your insurance needs.

Get A Quote For Your Commercial Auto Insurance Today

Our licensed staff is ready to help you get a Commercial Auto Insurance quote. We’ll work with you to maximize your discounts while getting you the coverage you need. Call today.