Why Choose Us
Your vehicles are vital to your business from getting to meetings, picking up supplies, or delivering goods to job sites. We will help you through the process of choosing the right insurance and coverage to fit your business. We know that every business is different, and we strive to provide the balance between cost and coverage to suit you.
Differences from Personal Auto Insurance
Commercial auto insurance is quite similar to personal auto insurance, although there are a few differences that you should know about.
What are some of the differences?
Business Use vs Commercial Use - Business use is for meeting clients, suppliers and the general running of your business such as going to the bank, accountant or other meetings. Commercial use is for vehicles directly used for your business such as a work truck used to move lumber or haul a trailer.
Price- Contrary to the common belief, business and commercial auto policies typically are around the same price as personal auto policies. Some high risk businesses are more expensive, but the majority tend to be quite similar.
Private Passenger Vehicles vs Heavy Vehicles- The one major difference between personal auto policies and commercial auto policies is typically the weight of the vehicles. If you drive a vehicle over 10,000 lbs the requirements for the vehicle are much different than driving a typical private passenger vehicle such as a van or a pickup truck.
Attached Equipment - You may have modified your vehicles to suit your business, such as adding a mobile crane, dump box, mobile generator, custom shelving, flat bed etc. You must tell your insurance company about these changes in order to be properly insured. Typically the liability for the operation of the attached equipment is covered under your business policy, not your auto policy.
Business Contents - Anything that is not permanently attached to the vehicle is not covered under your auto policy - you will need to obtain a business insurance policy.
Trailers - Unlike private passenger policies you must list all of your trailers in order to be covered. The reason is that most businesses tend to leave trailers at job sites, or in parking lots where they could cause damage or injuries to others. This is not an issue while they are attached to the towing vehicle, but is when they are no longer attached. The cost for trailer liability is very minimal and should be added for every trailer.
These are just a few points to think about. Please let one of our experienced brokers help you make the right choices so you are properly protected.