If your business uses a car to transport employees, goods, or services, you need commercial auto insurance.
Whether you own a single vehicle or own an entire fleet of them for your business, you need commercial auto insurance. This insurance protects your business vehicles from any damage sustained in an accident. One may think that personal auto insurance will cover them, but they would be wrong. Protect your business vehicles by covering them with the right commercial auto insurance policy.
What is commercial auto insurance?
Commercial auto insurance is a policy that covers amounts, incidents, and usage that is not covered by personal auto insurance. Business-related trips like going to meetings or delivering a product or good, you can be covered through a commercial auto policy.
If you or an employee gets into an accident while driving for business, your business will likely be held liable. Commercial auto can help cover the cost of property damage and bodily injury.
What does commercial auto insurance cover?
- Bodily injury liability – Pays for the bodily injury bills or death resulting in an accident your business is held liable.
- Property damage liability – Provides protection if your company vehicle damages property.
- Personal injury coverage – Pays for medical expenses of driver and passengers of your car, regardless of fault.
- Collision coverage – Pays for the damage done to your vehicle if it gets hit by another car.
- Comprehensive coverage – Provides protection from non-auto accidents. Things like vandalism, fire, theft, missiles, and other covered perils.
- Un-/underinsured motorist coverage – Provides coverage to your business when the other person involved in the accident is either uninsured or underinsured and do not have the funds to reimburse you for the accident.
To find the right business auto insurance that will protect and cover your company, be sure to contact Scavone Insurance Agency Center LLC, located in White Plains!