What Kind Of Vehicles Are Covered under A Commercial Auto Policy?
Commercial Auto Insurance
If you own a business that uses vehicles, it’s essential to have a commercial auto policy to protect your company and your employees. Commercial auto policies cover a variety of vehicles used for business purposes, ranging from company cars to heavy-duty trucks. Here are the types of vehicles typically covered under a commercial auto policy:
Cars and vans: Commercial auto policies cover standard cars and vans that your business owns, leases, or rents. These vehicles are typically used for transporting employees, making deliveries, and running errands for the business.
Trucks: Commercial auto policies also cover a variety of trucks, including pickup trucks, box trucks, and tow trucks. These vehicles are commonly used for hauling equipment, transporting goods, and towing other vehicles.
Trailers: If your business uses trailers to transport goods or equipment, they can also be covered under your commercial auto policy. This includes both enclosed and open trailers, as well as flatbeds and other specialized trailers.
Buses: Businesses that transport people, such as shuttle services or tour companies, often use buses. These vehicles can also be covered under a commercial auto policy.
Heavy-duty vehicles: Construction companies, landscapers, and other businesses that use heavy-duty vehicles such as bulldozers, cranes, and excavators can also have them covered under a commercial auto policy.
It’s essential to note that commercial auto policies often have different coverage levels than personal auto policies. For example, a commercial auto policy may have higher liability limits, as businesses typically have more assets to protect. It’s also essential to ensure that all drivers who operate covered vehicles are listed on the policy.
In conclusion, a commercial auto policy covers a wide range of vehicles used for business purposes. It’s crucial to work with an experienced insurance agent to determine the appropriate coverage levels for your business’s needs and ensure that all vehicles and drivers are appropriately covered.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and commercial auto insurance covers your vehicles.
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As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.
Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that’s right for you.