CSIS Insurance Services, Inc. Blog
If your business owns and operates vehicles, a personal auto insurance policy won’t be able to cover them. A separate policy exists for vehicle used in businesses because they face higher risks. A commercial auto insurance policy protects vehicles against property damage, injury, and liability risks arising from how the business uses the car. Read these answers to some of the most common questions about commercial auto insurance.
When do I need a Commercial Auto Insurance?
You would need a commercial auto insurance if:
What does the policy cover?
Common commercial auto insurance policies cover:
How much does it cost?
The cost of commercial auto insurance differs from one buyer to another because of several reasons. Type of vehicle is one of the factors that highly affects the cost. For instance, trucks face higher risks because the damage caused by a crashing truck is more devastating, so companies who use trucks needs to pay more premium than companies who uses sedans to provide a taxi service.
The driver’s profile also affects the premium, like the age and the driving records for the driver. Insurers may provide bulk discount for companies who needs a lot of vehicles covered, which will reduce the cost per vehicle insured.
Take note that even if you use your vehicle for work, you may not need a commercial auto insurance. Consulting an insurance agent is the best way to find out about your auto insurance needs.
At CSIS Insurance Services Inc., we work hard to make sure that our clients are well-protected with policies that they can afford. 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.
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