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Business Insurance
What is Business Insurance?
Business insurance, also known as commercial insurance, helps protect business owners from unexpected losses.
There are many types of insurance options that can help protect the company you’ve worked hard to build. Choose the right insurance agent and policy to protect your business from:
- Property damage
- Legal liability
- Employee-related risks
- Business Interruption
We’ve helped countless companies get the right coverage, protecting their businesses and keeping their employees and customers safe.
Many business owners start with a Business Owner’s Policy (BOP). A common BOP will include:
- General liability insurance, protects you in the event of an injury or property damage claim against your business.
- Commercial property insurance, pays to repair or replace your building and business property damaged by a fire, storm, or other covered event.
- Business interruption insurance, is insurance coverage that can help supplement your business’ income if the business can’t operate due to a covered loss.
If your business owns vehicles, you’ll need commercial auto insurance.
Get a business/commercial insurance quote today. In just a few minutes, you can find out how we can protect your company.
Commercial Auto Insurance
What is Commercial Auto Insurance?
Commercial auto insurance helps cover the costs of an auto accident while you or an employee uses a company-owned car for business. This coverage can help pay for property damage and medical expenses – even in the event of a fatal accident.
Commercial auto insurance can help protect your business if, for example:
- An employee hits another vehicle while driving a vehicle for business. A passenger in the other vehicle requires medical treatment that results in costly medical expenses.
- You take a corner too fast while driving to work in a company car and cause damage to a structure.
- An employee drives to work in a company vehicle, hits another car and totals it.
Get a commercial car insurance quote today to learn how you can protect your business while on the road.
How Commercial Auto Insurance Works
The common types of commercial auto coverages available to business owners are:
- Bodily Injury Liability Coverage helps pay for the other driver’s medical expenses.
- Property Damage Liability Coverage pays for damage that you or your employees cause to someone else’s property.
- Collision Coverage helps pay to fix or replace your business car if you hit something, like another car or pole.
- Comprehensive Coverage can help pay for car damages caused by theft, fire or natural disasters.
- Medical payments coverage can help pay for medical expenses for your employees and their passengers in the event of an accident, such as medical treatments and rehabilitations, dental care or funerals.
- Uninsured/Underinsured Motorist Coverage helps pay for you or your employees’ medical expenses or to fix your car if the other driver lacks enough liability coverage.
- Rental Car Coverage offers liability coverage while you or your employees are driving a rental vehicle for business. Many rental companies have loss damage waivers or a collision damage waiver that you can sign to avoid paying for property damage to a rental car.
- Personal Injury Protection (PIP), also known as no-fault insurance, can help cover medical expenses, lost wages or funeral costs after an accident, no matter who is at fault.
- Hired and non-owned auto insurance offers lawsuit liability coverage if you or your employees are involved in an accident with a personal, rented or leased car that was used for business errands. However, this type of commercial vehicle insurance coverage will not pay for damages to your car.
Do I need Commercial Auto Insurance?
Consider commercial auto insurance if your business:
- Owns, leases or rents vehicles, such as cars and trucks
- Has employees who drive their own vehicles for business
- Has employees who operate leased, rented or owned company vehicles
