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Insuring Vehicles for Your Business

vehiclesDo You Have Sufficient Auto Insurance Coverage?

One of the biggest mistakes that business owners make is assuming that their personal auto insurance covers their vehicles. If you have cars or trucks that you use for your business, you need a commercial auto insurance policy.

Who is driving your vehicles?

When you have multiple employees driving your vehicles, you need to switch coverage from personal to commercial. Even if you just have one or two employees, it’s best to have them covered. Otherwise, they could get into an accident and you won’t have the coverage for them.

You can pick and choose the kind of coverage you have on your policy. Plus, with more employees comes the need for more coverage. Of course, you can always vet the employees that will drive so you minimize the likelihood of them being in an accident.

What are your vehicles being used for?

How you use your vehicles will determine the kind of coverage you have, too. If you’re driving around people, then there needs to be more coverage on personal injury liability. If you’re driving around supplies, you have to look at the value of said supplies. Additionally, the more time you’re on the road, the more likely you are to be involved in an accident.

The reality is that if you don’t have commercial auto insurance and you get into an accident, the insurance company could easily deny your coverage. You don’t want to pay for repairs and even medical bills out of your business’ profits. 

Contact one of our agents at Ramey King Insurance to learn more about commercial auto insurance today.