Now from National General
Why You Need Small Business Vehicle Insurance?
Insuring your company cars and specialized trucks and vans is no small matter. Should an accident occur, you have significant business assets to protect and potentially complex issues of liability. Without adequate and appropriate insurance coverage for your business vehicles, you put everything at risk.
As a business owner, even minor traffic accidents or breakdowns can cause major hassles in keeping your operations running smoothly. So, you need the responsiveness and reliability of a commercial vehicle insurance specialist that understands the critical nature of getting your vehicles back on the road.
Just like personal auto insurance, state requirements vary when it comes to education, licensing and even Small Business Auto coverages. Most states mandate minimum levels of financial responsibility in the case of accident or other loss.
Protecting Your Business Assets
Any accident that causes injury, loss of life, or damage to property could potentially land you in litigation or bankruptcy. Small Business Auto Insurance protects your business assets and reduces your exposure to liability.
Small Business Auto Insurance reflects the significant investment you've made in your company vehicles. If you end up with a totaled truck, you don't want to be left making payments to the bank! Small Business Auto Insurance is there to mitigate that risk.
Vehicles for Business Use are Not the Same as Personal Autos
When an employee gets behind the wheel of a company car, the potential liability in the event of an accident is very different from a car that is for personal use only. Passenger autos as well as the specialized trucks, vans and other rigs you use in your business activities carry different safety risks, associated costs, and consequently require specific insurance coverages to protect your business in the case of loss. Small Business Auto Insurance policies reflect these unique needs with specialized coverages and features.
Selecting the Right Coverage for Your Business
Selecting the best fitting coverage for your company cars and trucks means finding the right balance of coverage options, liability limits, deductibles and services that makes sense for your business. That equation should take into account:
Where to start when selecting commercial vehicle coverages?
The best way to start is with a trained commercial vehicle insurance expert. Whether you're looking to insure a fleet of company cars, or larger commercial trucks like flat-bed trucks, refrigerator trucks, box trucks or light-to-medium duty trucks, trained National General Insurance experts have the experience to help you make critical coverage selections.
Lower Your Commercial Vehicle Insurance Premiums
To get the best possible commercial vehicle insurance rates:
Company Cars vs. Personal Autos
If you think your personal auto insurance has you covered for your company car – think again. In many instances, if an accident takes place while a vehicle is being used for business purposes, a personal auto insurance policy won’t cover the losses.
Commercial vehicle insurance is specifically designed to protect you, your company vehicles and your employees while on the road and at job sites.
Here are some other compelling reasons to have a commercial policy for your business vehicles:
Safety Tips for Business Owners
1. How do I know if you cover my sort of business?
We can help with the specialty auto and commercial vehicle insurance to a wide range of sole proprietorships, partnerships, small businesses, corporations, – if you have trucks, vans and cars you depend on for your livelihood – with only a few exceptions – we probably have your business and your vehicles covered.
2. Can I get your commercial vehicle insurance in my state?
Today, we represent insurance companies that offer exceptional coverages at affordable rates in the following states:
3. What vehicle types do you specifically cover?
4. What discounts are available?
At TJC Insurance we offer several discounts to our commercial vehicle insurance customers. You can enjoy: