Does Your Business Need Commercial Auto Insurance?

1. Does Your Business Need Commercial Auto Insurance?

2. If you’re running any kind of business, large or small, that frequently uses cars, trucks and vans as part of its everyday operations, then if you haven’t already got commercial auto insurance, you should talk to an insurance professional about purchasing it today. What is commercial auto insurance? Commercial auto insurance covers any vehicles used by your business, for a variety of situations not covered by a personal auto insurance policy. It covers many different types of commercial vehicles, such as company cars, commercial trucks, and vans; basically, any vehicle used for business purposes instead of personal.

3. Do you need commercial vehicle insurance? If you’re a business owner, you may find that certain usages and vehicle types are excluded from your personal auto insurance policy, and if vehicles are used frequently during the running of your business, then there can be no question that you would benefit from some of the coverages offered by a commercial auto policy. However, it’s not always cut and dried… What does commercial vehicle insurance typically cover? There are several differences between your personal auto insurance and that of a commercial vehicle policy, which may include eligibility, definitions, coverages, exclusions and limits.

4. Bodily injury liability coverage – if someone has an accident and is found to be at fault, then this type of coverage pays for bodily injury or death and often provides a legal defense, too. • Property damage liability coverage – if your vehicle causes accidental damage to someone else’s property, this policy offers you protection and a legal defense. • Combined single limit (CSL) – this, single limit coverage typically gives separate limits that apply to bodily injury claims for property damage. Whether one person or more, bodily injury or property damage, this policy has the same dollar amount of coverage per covered occurrence.

5. Medical payments, no-fault or personal injury coverage – regardless of who was at fault, if your vehicle is involved in a covered accident, this policy usually pays for the driver and passenger’s medical expenses. • Uninsured motorist coverage – if your vehicle is involved in a hit-and-run incident or is involved in an accident with an uninsured driver, then this policy should pay for any injuries incurred and, in some cases, property damage, too. • Comprehensive physical damage coverage – if your vehicle is damaged due to theft, vandalism, fire, flood or any other peril covered, then this policy covers those costs.

6. Collision coverage – if your vehicle is hit by another object, or hits something, then this coverage pays for any damage incurred. To ensure that you, your business and any vehicles associated with it, are adequately protected, talk to your insurance provider today about commercial auto insurance…before it’s too late!

7. We Insure Miami was founded on the principle that every individual and business, big and small, has assets and valuables that need to be protected and insured against forces outside of our control. We offer Homeowners, business and auto insurance in Miami FL. Our agents understand that you work hard every day to protect your car, home, business and family. WE are passionate about Insurance and passionate about serving you. If you are looking for homeowners or business or commercial auto insurance in Miami FL, contact us for a quote or a complimentary review of your insurance policies.