The sales professional’s job has changed significantly over the years. It has gone from being one of the most complex positions, with individuals carrying a great deal of merchandise from one location to the next, to becoming nearly completely digitalized. Nevertheless, the thrill of selling in person is very much an important part of this industry. If you do sell in this manner, you may need a commercial auto insurance policy that addresses your specific risks and minimizes them.
What are Your Risks?
Many sales professionals are independent contractors. Others operate as employees and still others own their own businesses. In all situations, commercial auto insurance should address the specific needs of that business.
Vehicle protection: At the heart of any commercial auto insurance policy is the need to protect the asset itself. Policies should address the value of the vehicle and protect against potential theft, storms, fire and vandalism. Additionally, comprehensive insurance plans may include collision insurance.
Liability risks: Most commercial auto insurance plans must meet state requirements. However, this is rarely enough. These policies should have liability insurance that extends significantly to cover the risks associated underinsured and uninsured coverage, general liability coverage and additional protection.
Equipment and inventory: For those sales professionals that carry stock or equipment with them, the auto insurance policy should also cover those valuables. Most basic policies can offer contents coverage. However, if a significant amount of merchandise is onboard, a higher policy claim limit may be necessary.
A Component of Your Business Insurance
Business insurance can include the commercial auto insurance policy you select. The key here is to ensure the policy has ample protection against the most common risks. This may include workers’ compensation insurance to cover drivers. It may include coverage for business interruption should your necessary vehicle be damaged.
Work with your business insurance agency to get a customized policy that meets all of your needs. A basic commercial auto insurance policy may not be enough to meet the needs of the sales professional operating today. However, most policies can be customized and can potentially remain very affordable. They can also provide a significant benefit in the way of peace of mind. Today’s sales professionals operate differently, but face many of the same risks, most of which business insurance can minimize.
Keep your business safe on the go. Call Integrity Network Insurance Group at 512-989-6006 for more information on Texas commercial auto insurance.