Businesses rely on vehicles in their day to day operations. More importantly, so do your employees. A vehicle is an essential day to day tool, that makes connecting with your clients a possibility.
It’s for this reason and the fact that you cannot directly control what goes on with the company vehicles that you need Commercial Vehicle Insurance. Weather conditions, damage caused to other vehicles, bodily injury caused to passengers or pedestrians are all risks that you take when employees operate company vehicles.
A few cars or a few hundred Cantiani Insurance Agency can provide a policy to cover your risks.
What is covered with Commercial Auto Insurance?
- Bodily Injury Liability - If you found responsible for other driver injuries or death resulting from an accident than this coverage may help with medical expenses, lost income compensation and legal fees.
- Property damage - This coverage protects you for damages caused to other peoples property, up to the limits of the policy.
- Personal Injury - This covers yourself, employees who are authorized to drive company vehicles, and passengers for medical expenses and lost wages.
- Collision coverage - this covers costs from the accident, doesn't matter who is at fault.
- Comprehensive - this covers you for damages other than a collision.
- Medical - covers payments for medical treatments, hospital stays, etc.
- Uninsured Motorist - covers you for both uninsured and underinsured motorists.
- Towing costs.
- Loaner Cars - when your vehicle is being repaired.
Will I need Commercial Auto Insurance?
Yes, if your vehicle(s) are owned in a business name or if they weigh more than 10,000lbs. but remember Commercial Plates does not necessarily mean Commercial Insurance… Call Cantiani Insurance to discuss your options.
Commercial auto insurance coverage will protect your small business from potential costs due to property damage, liability claims, and injury that may happen while you or your employees are using company vehicles.
For more information contact an agent at Cantiani Insurance Agency at 318 Plantation Street, Worcester, MA 01604. Phone: 508-791-2088 we’ll be glad to help!