COMMERCIAL AUTO INSURANCE
We know how hard you work to cultivate and maintain your business. We also know there are risks you face every day that threaten what you've built. We put that knowledge to work by providing commercial auto insurance that soundly protects business owners, employees, and their vehicles.
The Basics of Insuring Your Business Vehicles
Business owners are required to have the same auto insurance coverage for their business vehicles as they would for personal usage. Typically, these coverages include comprehensive and collision, liability, payments for medical expenses (personal injury protection) and uninsured and underinsured motorists coverage.
While many businesses have fleets of vehicles that need insuring, it's important to remember that lots of business people and their employees use a business vehicle for their own personal use outside of business hours.
If this is the case with your business, then it's important that the “principal insured” named on the commercial auto policy is that of the business as opposed to the person driving the vehicle. In the event that you should have a claim filed against you, or you need to file a claim yourself, this will prevent any possible confusion.
It all depends on the type of driving you do as to what kind of commercial auto insurance you need for your business. Expect a good insurance agent to go into quite a bit of detail when asking how you use your business vehicles. You will be asked, for example, who will be driving your business vehicles, and also whether your employees will be driving their own cars for business use.
The technical aspects of commercial auto insurance policies can be quite different from those associated with personal auto insurance policies. However, the major coverages are the same.
Find the most affordable commercial auto insurance for your business.
Contact Bryan Insurance today at either our Moundsville office on 304.845.0121, or our Wheeling office on 304.233.5907 and let an experienced insurance professional discuss your commercial auto insurance options with you.