What you need to know about commercial auto insurance.
One of the most overlooked business insurance policies is a commercial auto insurance policy. Whether your business owns a single delivery van or an entire fleet of vehicles, it’s important to acquire the right protection. Just as you wouldn’t drive your personal vehicle without insurance, you should ensure your business is protected before getting behind the wheel.
Commercial auto insurance is designed to provide coverage for standard vehicles, such as pickup trucks and cars, as well as commercial vehicles like utility vans and limousines. Even if your business operation rents vehicles, you will need a commercial policy to provide coverage or any incident on or off the road. After all, accidents happen. From theft to vandalism to auto crashes to property damage, it all happens behind the wheel.
Commercial auto insurance provides many of the same benefits as personal coverage, including liability, collision, comprehensive, rental car reimbursement, towing coverage, vandalism, theft, and underinsured motorist coverage. There are also many other coverage options that you can add onto your policy that will work to protect your business, including coverage for:
- Equipment – which can include protection for when you are loading and unloading goods.
- Employees – which can include a blanket or broadened policies that will provide protection for additional people or employees with whom your business is working with.
- Business – which can include coverage for your business’s assets if you are involved in a lawsuit that stems from an accident.
Bear in mind that every policy is different, so make sure to talk with your insurance agent to obtain the right coverage. At Nahai Insurance, our team has experience providing unmatched commercial auto insurance protection to a wide range of businesses with fleets varying in shape and size. Contact us today for a quote for your business today.