Advantages Of Getting A Commercial Auto Insurance For Your Business

5/24/2018

If your business has its own transport service like cars, trucks, buses, or vans, you need to have these tools insured. Vehicles are types of properties in your business that you need to consider getting protection. It will also protect your passengers in any case something unfortunate occurs.

Commercial Auto Insurance answers to any physical damages and liabilities not covered by your original car or auto insurance policy. It can cover company cars and other commercial vehicles like food trucks, service utility cars, delivery vans, and other servicing company vehicles.

This insurance policy also provides coverage to the driver and any worker operating the vehicle. This policy is often known as fleet insurance and or commercial car insurance.

What Does the Commercial Auto Insurance Cover For

This type of insurance covers for your company or commercial vehicle and specific answer to:

Bodily Injuries. The policy will pay for any physical injury or even death resulting from any accidents which the driver or you as an owner is at fault. The insurance policy also answers your legal protection against lawsuits filed because of the incident.
Property Damage. The policy protects you from any property damage and lawsuit inflicted by you or your people to another motorist.
Medical Expenses. Regardless of a fault during the accident, the insurance cover for any medical attention needed for the affected individuals.
Comprehensive Physical Damage. The insurance policy covers any damages to your vehicle like vandalism, theft, fire, flood, and other reported damage incurred by your vehicle.

There are other coverages govern by the Commercial Auto Insurance policy. As a business owner, you must consider ensuring all your commercial vehicles because it will give your driver, client passengers, and other motorists protection against damages and accidents.

Add-Ons You Can Apply for Commercial Auto Insurance

Commercial Auto Insurance is customizable. So, in case you think you need more of this coverage, you can opt to choose from these add-ons on what to include:

Roadside Assistance. This coverage protects you from any hassles incurred by your vehicle like dead batteries, flat tires, and or being locked out of your vehicle.
New Vehicle Replacement. Should your commercial vehicle incurred damages that can no longer be fixed, the insurance can cover replacement for you declared car with a brand-new or comparable vehicle.

Protecting your business means protecting your properties like your commercial vehicles. At CSIS Insurance Services, Inc., we aim to make our client's life easier with policies that are tailored to their needs. You can get more information about our products and services by calling our agency at (888) 501-2747. Get your free quote today by Clicking Here.

3 Comments

David Johnson link

5/2/2019 01:33:31 pm

I didn't know that commercial auto insurance can cover the medical attention of the affected individuals. In my opinion, this is important because it will allow whoever is in the accident to be able to focus on getting better, and not on having to pay the expensive medical bill by themselves. I will have to look more into commercial auto insurance.

Vivian Black link

3/8/2022 05:55:38 am

Our little business is now large enough for us to get a car that can be used just for our business alone. I was satisfied to hear that you can actually get roadside assistance added to a commercial insurance policy. This seems vital to me since we will have our workers using the car sometimes. In the interest of their safety in the case of flat tires and such, this is a necessity.

Luke Smith link

9/25/2022 10:35:30 pm

It's great that you pointed out how auto insurance could protect you from any property damage and lawsuit inflicted by you or your people to another motorist. I am looking at a list of insurance earlier and I read a bit about the auto insurance coverage. It seems having one has a lot of perks to it, so I could definitely see why people would opt to get one.