Are you trying to figure out if you need commercial auto insurance? Let’s take a look at what business car insurance is and then talk about who needs it.
What is Business Auto Insurance?
If you or an employee get into an accident while operating a company vehicle, or using a personal vehicle for business purposes, your business could be at risk. When such an accident occurs and there is bodily injury or property damage, legal claims could be made against your business. Commercial auto insurance helps protect you against these claims. It can pay for medical expenses, legal fees, and repairs to the vehicle that personal auto insurance doesn’t cover.
Do I Need Commercial Auto Insurance?
Do you own or lease a vehicle that is operated for business purposes?
If so, yes, you need business auto insurance!
If a vehicle assists an employee in performing job-related tasks, then it’s a company vehicle and should be insured accordingly.
Even the safest drivers need proper coverage. Commercial auto accidents are incredibly common. At least 20% of commercial vehicles are involved in an accident every year. Some statistics suggest that even something as simple as backing up accounts for approximately 30% of all commercial vehicle accidents!
We’re Here to Help
Jankowski Agency, Inc. is an independent insurance agency, and we take time to understand your business operations and vehicle use so we can find the right coverage for your needs, at the right price. We can also guide you through the claims process if an accident happens.
Call us to start a commercial auto insurance quote and protect your business vehicles today!
Ref:
https://thsawc.org/files/7-17-14%20Backing%20trucks.pdf
https://www.automotive-fleet.com/303123/fleet-safety-metrics-reverse-negatively-accidents-increase