This post was written by Commercial Protection Advisor, Blaise Perrone
I just drove my truck into a building
……good thing I opened the garage door first.
Okay, that should have come with a dad joke alert. But it’s a good segue for something extremely valuable in your business…
Company cars, trucks, vans, and other work vehicles… 🚙 🚚 🚜🚛
These vehicles get you and your employees to and from the job. They allow you to service your customers. They are essential to your daily operations.
Is your personal auto policy enough to cover your vehicles? 🤔
How do you know if you need a commercial auto policy? 🤔
Good question, since many personal auto policies may exclude certain vehicle types or usages that are not meant for business.
A commercial auto policy will properly rate these vehicles…Why is this important?
Because with a commercial auto policy, you receive benefits that are exclusively for business customers. You also gain protection for your business -no matter who is driving.
For example, when your vehicle is driven, there’s a risk of an accident. Damages, defense costs, and medical expenses could very well exceed the limits of a personal auto policy. 🚑
Business auto policies have higher limits designed specifically to handle these types of occurrences.
Have tools and equipment? Trailers, lifts, and other equipment are usually not covered by personal auto policies. Uh-oh.
Commercial auto insurance protects your employees as they conduct business in your company’s vehicles. It also protects your business from employee at-fault accidents and other lawsuits. ⛐
In the case of a fleet lease, you’re actually required to maintain commercial auto insurance.
And let’s not forget. loading and unloading, uninsured or underinsured motorists, vandalism, and falling trees!
All of the examples above are great reasons for businesses of all sizes to have commercial auto protection.
It’s truly the only way to…
- Ensure that all drivers are insured
- Secure compensation for lost income during an interruption to your business
- Access roadside assistance
- Receive compensation for labor when vehicles become disabled
- Be reimbursed for rental vehicles
- Take advantage of gap coverage for newly purchased or leased vehicles
…and be sure that your vehicles, your employees, and your business are protected. 👍
Let’s Connect
If you’re ready to take your business to the next level and safeguard your achievements, please reach out. Together, we can ensure that you not only maintain your success but also reach for greatness.
Reach out today—let’s make your experience a little smoother, no machine-wiping required. Book a time to meet with me here.
We’d love to talk to you about the specific risks your business faces and how we can help you protect it. We have a full team of business insurance experts ready to help you. Contact us here and let’s get started!
A little more about Blue Marsh Insurance…
When he founded Blue Marsh, Tom Davenport wanted to create a different kind of insurance company. One that’s built on personal relationships and a local presence. One where you, the customer, feel more like a friend.
As an independent insurance agency, Blue Marsh Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
If you’re interested in starting a quote online or having us take a look at your current policies, click here!