If you own and operate your own business, you face significant exposures on a daily basis. If your business relies on an automobile or a fleet of vehicles, you must protect your investment and your employees’ safety by purchasing a commercial auto policy.
Whether it is a minor accident or a serious crash, a commercial auto policy safeguards your employees when they are driving for business purposes. It also transfers risk and reduces the exposures that your company faces. The experts at the Insurance Center of Winchester can work with you to create a commercial insurance package that will help reduce your exposure and leave you with peace of mind. Typical commercial auto policies include the following types of coverage:
- Liability: Provides protection if you are held liable for injuries caused to another person or damage caused to his or her property
- Physical damage: Provides compensation if your vehicle is damaged
- Medical payments: Covers medical expenses for you and the passengers in your vehicle in case of accident or injury
- Uninsured motorist: Provides protection if you are involved in an accident with an uninsured or underinsured driver
What if I use my own vehicle for work? Won’t my personal auto policy protect me?
No. Many business owners use their own vehicles for work, but most of the time, a personal car insurance policy will not protect you if you’re in an accident while on the clock. For better protection in the event of an accident, consider a commercial auto policy even when using personal vehicles.
Whether you own a fleet of trucks or use your own car for business purposes, contact the Insurance Center of Winchester to see how we can help protect your business with a commercial auto policy. Call 540-667-0700, or fill out the form on this page to learn more.