As a business owner, you likely rely on vehicles to help run your operations, whether it’s a fleet of cars or a single delivery vehicle. The last thing you want is to find yourself underinsured or unprotected when an accident or damage occurs. That’s where commercial auto insurance comes in. It’s designed specifically for businesses to cover vehicles used for business purposes, and it offers protection that goes beyond personal auto insurance policies.
What is Commercial Auto Insurance?
Commercial auto insurance is similar to personal auto insurance, but it’s tailored to meet the unique needs of a business. It covers vehicles owned, leased, or rented by the business, and provides liability coverage, property damage protection, and medical coverage in case of an accident. Whether you’re transporting goods, running errands, or providing transportation services, commercial auto insurance offers the protection your business needs.
Why Your Business Needs Commercial Auto Insurance
There are several key reasons why this coverage is essential for business owners:
Liability Coverage: If your business vehicle causes an accident, commercial insurance will cover the damages, including medical expenses and property damage, up to the policy limit. It also protects against lawsuits if someone sues your business due to the accident.
Vehicle Damage Protection: Accidents aren’t the only risk your business vehicles face. Commercial insurance covers damages from theft, vandalism, and natural disasters, ensuring your vehicles are protected no matter what happens.
Employee Coverage: If an employee uses their personal vehicle for business purposes, your commercial auto policy can extend coverage to their vehicle, ensuring that the business is protected regardless of the driver.
Choosing the Right Coverage
Selecting the right commercial insurance coverage depends on several factors, including the number of vehicles in your fleet, the types of vehicles you operate, and the risks your business faces. At Hibbs Insurance, we work closely with business owners to understand the unique needs of their operations and recommend the best coverage to keep their business safe on the road.
Don’t leave your business exposed to risks on the road. Contact us today to learn more about commercial insurance and get a free quote tailored to your needs. Protect your business, your assets, and your team with the right coverage.
