All You Need to Know About Commercial Auto Insurance

​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.