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A business auto insurance company specializes in protecting vehicles that are essential to the successful operation of any business.
There are several options for business auto insurance including per vehicle and fleet insurance. Personal auto insurance will not cover vehicles that are used for commercial purposes.
Compare quotes from different auto insurance companies using our FREE comparison tool with your ZIP code that will find the lowest cost for the required coverage.
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There are certain kinds of businesses that are subject to state and federal regulations for operating their vehicles.
For businesses that use third-party equipment such as rented or leased vehicles, there are non-owned policies required.
A company that offers auto insurance for businesses will specialize in knowing these regulations and applying them to each client to make sure they are in compliance.
Business vehicles need the same coverage as personal vehicles including liability, collision and comprehensive, personal injury protection and uninsured motorist coverage.
There are several technical differences, however, for business auto insurance and a business auto insurance company will have the knowledge and expertise to arrange the right business coverage.
Business owners are more likely to be sued if they are held responsible for any damage or injury resulting from their business vehicles and drivers.
Even cheap liability auto insurance coverage can protect the business from great financial loss if it is ever sued. It will pay the losses that arise from alleged or real bodily injury, personal injury or property damage on the business premises or that arise from the business’s operations.
The protection covers:
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Just as with personal auto insurance, the cost of business auto insurance can be reduced by following certain strategies.
Insurance companies that specialize in commercial auto insurance vary in the types of businesses they insure.
Some companies may specialize in the transportation of school children, and some may not insure this type of vehicle. Some may insure vans that carry equipment, but not buses.
The most obvious business that requires auto insurance is one that provides cars for their employees as part of their job. In this case, a company may have over ten cars to insure.
They will get a discount for fleet insurance. Because commercial cars are on the road most of the time, the insurance costs are higher than personal car insurance.
They may also carry expensive equipment or products that are valuable. If drivers have Commercial Driver’s Licenses, the cost will, in most cases, be discounted by 10 per cent.
To get the best discount for fleet insurance, it is good to get quotes from several insurance companies and compare the coverage and cost.
When calling insurance companies to get a quote, the following things should be available:
Business auto insurance is important for small businesses as well as large companies. It covers much more than personal insurance including protection from lawsuits for accidents or injuries.
Check the auto insurance options available with our FREE car insurance comparison tool now by entering your ZIP code.
A business auto insurance company specializes in ascertaining the risk factors for the use of automobiles in a business.
Quotes from different companies can be compared online using our FREE auto insurance comparison tool. Enter your ZIP code now.
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