From customer deliveries to sales meetings, from transporting inventory to shipping merchandise, many small businesses rely on commercial vehicles to move people and goods from place to place. With customers demanding fast response times, same-day delivery, and onsite client meetings, vans, box trucks, and passenger cars are vital tools to getting the job done.
When you depend on commercial vehicles to run your business, you cannot afford to be without protection from the risks that come with hitting the road every day. Consider these common scenarios:
- One of your workers who is driving one of your vehicles hits someone crossing the street. The person is injured and needs medical care.
- An employee is making a delivery to a residential area and backs into someone’s mailbox.
- The driver of your van hits another vehicle in traffic and causes significant damage.
In each of these scenarios, a claim can be made against your company and your small business could incur substantial expenses as a result.
Why Your Small Business Needs Commercial Auto Insurance
If your company operates its own fleet of vehicles, you need protection that is tailor-made to your particular business. While some personal car insurance policies may cover some vehicles, those used mainly for business should be covered under a separate commercial auto insurance policy.
This is true even if you have a Business Owner’s Policy (BOP). BOPs do not cover vehicles used for business purposes, so you will need a separate commercial auto insurance policy.
Value One offers comprehensive vehicle coverage including liability protection, property loss coverage, and even medical care in the event a traffic incident results in injuries. We can help you insure all your company vehicles and define specific levels of coverage for each, if you desire.
Get a quote for commercial auto insurance for your small business.