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Understanding Commercial Auto Insurance

Whether you are a small or a large business owner, protecting the vehicles that you’re using for your operations is a must. Commercial auto insurance ensures that you are able to reduce the unpleasant consequences in case of collisions, accidents, and other unfortunate road eventualities. Aside from the coverage that it offers, it also acts as an efficient motivational tool so that you and your drivers exercise responsibility behind the wheel. Your policy’s monthly premium rises with every negative factor – and nobody wants additional costs.

Personal auto insurance functions in the same way, except it will not cover the damages wrought by or to an uninsured commercial vehicle. This is why it is important that you apply for a policy for every vehicle in your fleet, even if the drivers already have an existing personal auto insurance plan.

You particularly need one for your business if your vehicles are used for the transportation of goods and related services, or hauling heavy equipment and parts or towing trailers. It is also recommended if you want to secure higher liability limits owing to your specific industry needs. Moreover, it is required if your employees get behind the wheel of your commercial vehicles, or your business is deeded to a partnership or a corporation.

 

Coverage: What You Can Protect Your Business From

 

Some of the things that are typically offered by a commercial auto insurance policy include:

• Bodily Injury Liability Coverage
• Property Damage Liability Coverage
• Combined Single Limit (CSL) Coverage
• Personal Injury Coverage
• Uninsured Motorist Coverage
• Physical Damage Coverage
• Collision Coverage

 

Finding the Ideal Policy for your Business

 

Allied Insurance Managers is committed to guiding businesses toward the ideal policy that will address all their needs. Representing some of the most established Michigan business insurance providers, we are in a unique position to enlighten you about the best products on the market for your needs, budget, goals, and requirements.

Founded in 1912, we draw from extensive industry experience in providing insurance advice and guidance. This assures you of working with a team of business insurance agents that is equipped with comprehensive technical knowledge, a deep skill set, and a passion for your complete satisfaction. You do not have to worry about the possibility of paying for a policy that will not come through, especially when it should.

Get in touch with us at 1.248.853.0930 today so we can talk about your business’ needs, and how we can go about taking care of them. A friendly professional will be standing by to take your call and set your mind at ease.

Allied Insurance Managers, INC.