Is driving your business (or part of it)? You may need commercial auto insurance.
As a business owner, it’s natural to want to protect your foundation and employees as well as you can. Whether you own a pizzeria, landscaping business, or party bus, if your business uses a vehicle, you’ll need commercial auto insurance. Even if you only make deliveries every other weekend or pick up equipment once a month, personal auto insurance more often than not won’t cover you for a work-related incident.
Fortunately, commercial auto insurance protects many facets of your business through the following policies:
Bodily Injury Liability – For other drivers’ and passengers’ injuries or death that you caused.
Property Damage Liability – For damages to someone else’s property for which you are responsible.
Comprehensive Coverage – If your vehicle is damaged in an event other than an accident, such as a theft, vandalism, or from a tree branch falling on your vehicle, this insurance will step in to cover the replacement costs.
Collision Coverage – For your vehicle when your car hits or is hit by another vehicle.
Uninsured/Underinsured Motorist Coverage – Covers all of your staffs’ injuries, damages, and death caused by an at-fault driver with no or too little insurance coverage.
Medical Payments Coverage – To cover the costs of medical bills incurred by you and your passengers in your work vehicle from an accident.
Beyond these fundamental components, you can customize your business car insurance policy with the following coverages:
- Roadside Assistance – If you break down on the side of the road, this service can deliver fuel to you or tow you to a nearby garage.
- New Vehicle Replacement Cost Coverage – Your totaled, brand new car can be replaced for one that’s the same model year as your totaled car.
- Rental Reimbursements – If your vehicle is in the garage, you may need to get a rental car. Fortunately, it won’t be out of pocket with this coverage.
Commercial auto insurance protects your vehicle, employees, and business from falling due to a stumble. Maneuver the road ahead with reliable coverage by calling the professionals at Chambers & Company Insurance Brokers today.