Commercial Auto Insurance covers vehicles used for business purposes. Personal auto coverage excludes vehicles used commercially, so Commercial Auto coverage is essential for businesses that use vehicles.
If a business owner or employee is at fault in an auto accident, commercial auto insurance should cover the financial liability if people are injured or if property is damaged. Commercial auto should also cover the legal expenses if the business owner or employee is sued following an auto accident.
If you do not have commercial autos, but your employees sometime use their personal autos for a business related event, such as going to the supply store, then Hired and Non-owned Auto coverage should be obtained to protect the business in the event that the employee has an accident and the business is now named in a law suit.
420 Friendly Insurance can help you with your commercial auto insurance needs. We can also help you with a risk assessment. Contact us today to get started.