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What Is business car insurance?
business car insurance coverage applies to vehicles that your company owns. This includes:
Be aware that this insurance doesn’t cover vehicles that your business:
Watch more videos on the same topic : Auto Insurance In My Company’s Name?
This segment we’ll talk about if you should have your auto insurance in your own, or your company’s, name? *~ Claim Your FREE 45 min Strategy Session NOW! 👉 https://aba.link/sspynnToby Mathis answers your questions during Tax Tuesdays a bi-weekly webinar event. 👉https://AndersonAdvisors.com/tax-tuesdaysnnGet YOUR most pressing tax questions answered by one of the nations top tax attorneys LIVE! nnWhether your a small business owner, real estate business owner, or you have a corporation, the new tax laws that were passed in 2017 will have some impact on what tax deductions you can take. nnDon’t be caught off guard or miss out on important tax-saving strategies that your business is entitled to.nnJoin Us LIVE 👉https://AndersonAdvisors.com/tax-tuesdaysnnVISIT https://AndersonAdvisors.com for solid financial strategies, tips, and articles to help you grow and prosper.nn———————————————————————————————————nSUBSCRIBEnhttps://aba.link/subscribe nn~~~~nnFREE REAL ESTATE INVESTMENT STRATEGY SESSIONnnClaim Your FREE 45-minute Investment Strategy Session to receive business planning tips and asset protection. 👉 https://aba.link/tobyss nnFREE TAX u0026 ASSET PROTECTION WORKSHOPnnLearn about Real Estate u0026 Asset Protection from Clint Coons, Esq, and Toby Mathis, Esq. at our next all-day free Livestream from 9 am to 4 pm PT. on Saturdays. Our attorneys and specialists will answer ALL questions: Save Your Seat: https://aba.link/taptobynnTAX TUESDAY LIVEnnToby Mathis, Esq. and Jeff Webb, CPA will answer ALL your questions LIVE on Tax Tuesdays every other Tues 👉 https://aba.link/tobytaxtues nnOTHER ANDERSON ADVISOR EVENTSnnLearn a rich selection of subjects like tax and asset protection, business, investing, and much more. Our partners, attorneys, and other skilled experts will help you learn what you need to know in order to better your chances of success in your professional life. nhttps://aba.link/tobyevents nn~~~~nnFINANCIAL PLANNING u0026 TAX RESOURCESnn📚 Order Your Copy of
How Does a business car insurance Policy Work?
Watch more videos on the same topic : 3 Reasons You Need to Purchase Business Auto Insurance
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3 Reasons You Need to Purchase Business Auto InsurancennThe first reason is the simplest. Basically it’s not covered anywhere else. General Liability specifically excludes it and if you are using your personal vehicle, it’s excluded on that policy too. Some examples of business use could be carrying tools, having signage on your car or having the vehicle wrapped, or working for a ride sharing company like Uber or Lyft. Any business use can potentially be used to exclude coverage.nnA second reason to have business auto insurance is hired and non-owned auto liability. Hired and non-owned auto coverage provides protection for your business for those incidental (meaning not their everyday work) reasons where your employee(s) might be using their vehicles while working. Some examples include going to the bank, going to pick up lunch or coffee for the office or maybe picking up some office supplies. If the employee gets involved in an automobile accident during that time, your business may be brought in to the claim because basically they were working at the time. Hired and non-owned auto liability would respond to protect your business. Sometimes, you can add the coverage to your General Liability policy but that falls into the ‘just because you can doesn’t mean you should’ column. It’s kind of like drinking a skim decaf cappuccino. Yes, it’s technically coffee but you are not going to have the same experience that you would if you had the coffee the way it was intended. With a general liability policy, you’ll be dealing with an adjuster who doesn’t have as much experience with auto losses. The coverage is also usually written on an excess basis on general liability policies, so that means that you will be dependent on your employees’ coverage to handle the claim before your policy will start to protect you. On a business auto policy, the coverage is primary and the adjusters have a lot of experience with those types of losses, so the experience will be smoother, quicker and handled with the least amount of hassle to you.nnA third reason to have business auto liability insurance is something that most people believe is covered under the general liability policy, however it is specifically excluded. That is loading and unloading. So, you would think that after you’ve parked the car, turned it off and put the keys in your pocket that the business auto liability would be over, but if you’re making a delivery, you are still being covered by the business auto liability. Let me explain. After the car is parked, you open your trunk, take a few boxes and put them on a hand cart. The boxes could be anything: a product, Christmas gifts, gifts for a referral partner or maybe even documents. As you walk through the parking lot, in the building, up the elevator, through the door and literally until the items are finally delivered, you are considered to be unloading which is excluded on the general liability policy and can be covered on the business auto policy. This is the primary reason that many building owners want to see the business auto liability coverage of any company providing deliveries at their buildings.nnThose are only three reasons why you should have a business auto liability policy but there are many more.nnKeep in mind that NOT all insurance is created equal.n nNo matter what you may see on TV or internet ads, all policies are NOT the same. You should spend some time with your independent insurance agent to discuss your coverages and make sure that the insurance coverage you want to have is the coverage you do have on your policies. If you don’t have an independent agent or would like a second opinion, feel free to call, chat or email us and we would be glad to discuss your needs and/or policy with you. Thank you.nnDopazo u0026 Associates Insurance Servicesn8725 NW 18th Terr Ste 300nMiami, FL 33172nPH 305-470-8500nEmail firstname.lastname@example.org
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Who Needs Business Auto Insurance?
If your business owns vehicles that you or your employees use for work, it’s a good idea to get a business car insurance policy. In the event that you or your employees get into a car accident while driving for business, it can help protect you – even in the event of a fatal accident.
A business auto insurance policy can help protect small businesses and their employees in many ways, including:
- Driving between different work locations
- Visiting existing or potential customers
- Performing deliveries on behalf of the business
A commercial vehicle insurance policy isn’t just for big businesses. Many self-employed individuals can benefit from business insurance because it provides coverage in case you’re involved in an accident while driving for business.
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What’s Covered by a business car insurance Policy?
Business car coverages can vary by state and depend on a business owner’s unique needs. Other policies can cover all drivers. In general, commercial auto insurance covers claims of property damage and bodily injury from accidents while driving for business. Policies include coverage for:
- Auto liability if you or an employee damages someone else’s car
- Medical bills for injuries due to a crash
- Uninsured or underinsured motorists
Be aware that a business car insurance policy is different from personal auto insurance. Although business car insurance has similar coverage, like comprehensive coverage and liability coverage, your personal car insurance policy excludes coverage if you get into an accident while driving for business. So, if you get into an accident while driving for work and don’t have business car insurance, you may have to cover claims and medical payments out of pocket.
To get the right coverage for your business, get a commercial auto insurance quote.
When Do I Need business car insurance?
If you or your employees drive company-owned cars for business, a business car insurance policy can help protect you on the road. business car insurance can help if:
- You use your car to pick up supplies or deliver products to customers
- A corporation or partnership owns your vehicles
- You use a business-owned pickup truck, van or utility vehicle
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How Much Does business car insurance Cost?
business car insurance costs vary. Not every policy is the same because small businesses have unique needs. Insurance companies use different factors to determine costs. This can include:
- Claims and driving history
- Number of employees
The best way to find out how much business insurance will cost your company is to get a quote.
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Do I Need business car insurance on My Car?
Without this coverage, you may be responsible for claims if you get into an accident while driving a company-owned vehicle for business. Your personal auto insurance policy may exclude coverage if you got into an accident while driving for business.
Discover the top 10 reasons why you need business insurance.
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Why Choosing The Hartford Is the Best Choice for business car insurance
We’re an experienced commercial auto insurer offering robust commercial auto coverage for business car insurance. We know each small business has unique needs and risks to face. That’s why we make it easy for business owners to work with our specialists to tailor their car insurance policy. We offer:
- Downtime loss
- Rental reimbursement
- Glass repair waiver of deductible
If you or an employee gets into an accident while driving a business-owned vehicle for work, we’ve got your back. Our specialists are here to help you through the claims process. Our goal is to get your business vehicles back up and running so you can continue to operate.
Get a business car insurance quote today and learn how we can help protect you on the road.
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