A company vehicle helps you conduct business. Whether you work for yourself or have a fleet of vehicles, these vehicles need commercial auto insurance coverage. Using a company that underwrites for Crawford Davis Insurance can help you get the auto coverage your business needs.
Auto Insurance Basics
Relying on your personal auto insurance to cover an accident while you are on a business errand is a mistake. Most personal auto insurance policies do not cover business-related use. As such, you need a commercial auto insurance policy. Even if your vehicle is not dedicated for business, you may still need the policy. The insurance works similarly to personal auto insurance covering your liability and property damage. Any vehicle that carries business property such as equipment, pizzas or newspapers benefits from a commercial auto policy.
Commercial Auto Coverage
The coverage for commercial auto insurance is customizable. Like your personal auto policy, commercial auto covers bodily injury and property damage liability, medical payments and personal injury. Additional coverage options are available for uninsured or underinsured motorists, towing, labor costs, non-owned auto coverage and comprehensive coverage for non-collision damages.
Crawford Davis Insurance may have the right auto policy for your business. The gig and freelance boom are making commercial auto insurance a necessity for more businesses than before. Talk to your insurance advisor on the best way to cover your auto liabilities.