Are you properly protected if an employee gets into a car accident in a company vehicle? Regardless of your business, commercial auto insurance is a must if you have employees using company vehicles for work. In fact, commercial insurance protection is necessary if employees are using personal cars for work as well.
If any car is driven for business purposes, that car needs to be covered by commercial auto insurance. This will protect your business financially in the case of a loss. But, with commercial auto insurance, an accident is not all that is covered. If you have the right policy, accidents, vandalism, theft, and auto damage should all qualify as a loss, and you can be protected by your policy.
Regardless of how many cars your business has, 1 or 100, every car used for business purposes needs to be insured through your business. Getting a commercial auto insurance policy is good decision.
The amount of cars or vehicles covered, driving records of your drivers, and vehicles that are not risky to cover are all factors that will all lower your premiums. Anti-theft systems and higher deductibles can also help costs.
For more information on commercial automobile insurance, contact TriState Business Insurance.