Do I Really Need Commercial Auto Insurance Protection?

Understanding Commercial Auto Coverage

Commercial auto insurance is necessary for any business that that use cars, trucks, vans, or any other type of vehicle to conduct business operations. Without this essential coverage, you leave your business assets vulnerable to financial harm.

Common Commercial Auto Insurance Questions:

  • How do I know if I need a commercial auto insurance policy? There are a variety of factors that may mean it is time to obtain commercial auto insurance protection. If you deliver customers, food, goods, or anything else for a fee, it is time to seek a commercial auto insurance policy. A safe rule of thumb is to contact your commercial insurance agent once your operations require vehicles.
  • Do I need to purchase more liability coverage than a standard auto insurance policy? Most likely, yes. Generally, these policies come with more liability coverage already, but you will need to look into exactly how much liability insurance would best protect your business assets.
  • Am I going to need special coverage when using commercial vehicles to operate business? You can customize your commercial auto insurance policy to meet your unique needs. Each policy comes with standard coverage, but you and your commercial insurance agent can discuss additional coverage options that may be necessary to protect your business to the fullest.
  • Am I going to need to list each of my employees as drivers under my policy? Yes, you will need to add your employees to your policy. However, this is much more favorable than a personal auto insurance policy where there are often complications associated with listing multiple drivers under one policy.

Contact Stromsoe Insurance Agency for all of your California commercial insurance needs. You deserve to feel confident in the protection of your commercial vehicles. Allow us to help you obtain commercial auto insurance in California that optimizes your protection.

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