Small business should never over look commercial auto insurance as it is one of the most important aspects of the business.  If your business uses a vehicle or even a fleet of vehicles you should contact your insurance specialist or go to our home page and request a commercial insurance quote.  Make sure to give your insurance specialist the full story of who is driving vehicles.  It is wise to always carry uninsured motorist protection even if you have a policy for workers to not let anybody drive or ride in the vehicle.  Accidents happen and you need to be protected. 

How many vehicles should you insure for your business? 

Commercial auto insurance companies often separate coverages based on type and number of vehicles in your fleet.  It is wise to insure every vehicle as you never know when you will need the protection and you are likely going to get a discount for fleet insurance.

There are several types of commercial auto insurance including Liability, Collision, Uninsured, Personal Insurance Protection, and Gap Insurance. 

The most common type of commercial auto Insurance is Liability Coverage.  Most states in the US require liability auto insurance.  Liability covers you personally when you are liable for destroying someones car or body parts. 

Collison is another form of commercial auto insurance.  Collison insurance will cover the damage that is done to the policy holders car pending that the policy holder is at fault.  If another party wrecks your car their liability pays for repairs. 

Uninsured and under-insured coverage is required by most states and will cover you if the other party is liable and they do not have coverage.  Seventeen percent of drivers on the road typically are under-insured. 

Personal Injury Protection covers medical bills and lost wages regardless of the party at fault.  This is a great benefit to offer your employees when they do a lot of driving.