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CSIS Insurance Services, Inc. Blog

All You Need to Know About Commercial Auto Insurance

4/20/2020

4 Comments

 
Picture
​You have a thriving business. May it be a flower shop achieving its goal of having a delivery van electric fleet or a demand for a second food truck due to enough social media ravings on your fusion tacos. One thing is absolute; however – you will need commercial auto insurance if you frequently use vehicles for your business.
Useful Operational Support and Coverage Options
Having damages due to accidents might cause an out of commission vehicle, which then results in a paused business. For minimizing inconvenience and costs, you can choose from a wide range of options to help you decide on the coverage that will suit your needs perfectly. From labor and towing to loss of use and rentals, make sure you have everything within grasp. You can consider these other options as well:
  • Some states have a telematics feature that allows you to use a GPS in monitoring your employees’ driving habits and locations.
  • Having loan or lease coverage provides added payments to your owed amounts under the same agreement terms.

Highly Specialized Coverage for Contractors
Expensive equipment and tools usually occupy up a contractor’s truck, which leaves you the risk of theft or damage. You can discuss with your insurance agent and ask guidance in choosing personalized coverage for your trade tools. Your agent will also explain several options when protection agreements require coverages that are non-contributory and primary. Having this insurance policy in hand, the covered damages caused by the subcontractor will now be responsible rather than the general contractor’s coverage.

Specially Developed Coverage for Delivery Vehicles
If you currently run a business, you should know that most delivery trucks encounter unique risks during operating and driving, most especially if they carry alcohol.
  • Available on auto policies, the mobile business interruption coverage protects business owners from income loss when a covered loss causes the vehicle they use for mobile business to go out of commission.
  • Some insurance companies include a mobile food vendor insurance that offers coverage for equipment breakdowns, goods, and items carried on your delivery vehicle, and also contains securities and money.
  • Other premier packages provide generous coverage limits for food-borne illnesses and food spoilage, in case you focus more on food trucks.

You can research insurance companies that have solutions designed to uphold the needs of delivery vehicle operators – either those that only work on weekends to full-time vendors.

Don’t hesitate to purchase commercial auto insurance if you often use vehicles for business purposes. These policies help with particular options in coverage that both improves operations and reduces risks.

At CSIS Insurance Services, Inc. (, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 501-2747 or Click Here to request a free quote.
4 Comments
Victoria Addington link
1/19/2022 06:19:25 pm

Thank you for explaining that you can consult with your insurance agent and ask for suggestions in selecting personalized coverage for your trade tools. My friend mentioned once that they are looking for ways to protect their expensive equipment and tools when on a contractor’s truck. I think having commercial automotive insurance is the best solution that they are searching for.

Reply
John link
2/28/2022 06:22:03 pm

I never knew that it is important to have the insurance that will suit you. My best friend mentioned to me last night that he is planning to have auto insurance for his new vehicle for their business and asked if I have any idea what is the best option to consider. Thanks to this informative article and I'll be sure to tell him that it will be much better if he consults a trusted commercial auto insurance agency as they can answer all his inquiries.

Reply
Eli Richardson link
4/13/2022 09:54:09 am

It's great that you elaborated on commercial auto insurance and how you'd find a plan that fits your needs. My uncle's interested in starting a trucking business, so I'm sure he'd need to get an insurance plan for it. I believe my uncle plans on starting his business in a few months, so I'll share your tips with him now. Thank you for the advice on how to protect your business from a vehicular accident's costly damages.

Reply
Olivia Smart link
4/13/2022 01:21:28 pm

Thank you for explaining that there is specialized coverage for contractors that can even cover your trade tools. My brother is a painter, and he's getting a new van for his business later this week. I was wondering about what is insured when it's something he uses for work, so I appreciate your explanation, since it gives me some peace of mind.

Reply



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