TUESDAY, JUNE 2, 2015
 Businesses that provide a delivery service, transportation service or provide vehicles for their employees to do their jobs (such as mail delivery, pest control, cable installation etc.) must purchase commercial auto insurance for business-owned vehicles. A standard business insurance policy does not cover vehicles or drivers, unless these coverage is specifically added to your policy.
What is Covered Under Commercial Auto Insurance?
- Bodily Injury
- Property Damage
- Medical Payments
- Uninsured/Underinsured Motorist
- Comprehensive
As a business owner, it is a wise choice to carry a commercial auto insurance policy with an assortment of coverage options to protect your vehicles and employees from the hazards of the road. While no one wants to pay for more coverage than is necessary, you should always ensure that your coverage does meet your needs.
Who is Covered Under the Auto Insurance Policy?
The insured, which is the business in most cases, has the most coverage. This includes the vehicles you have chosen to insure, such as:
- All business-owned vehicles
- Hired vehicles
- Rented vehicles
The coverage you require will depend on how many employees will be driving company cars, how frequently they drive and other factors. Your independent insurance agent can help you determine the right policy for your business' needs.
Employees Covered as Permissive Drivers
The majority of permissive drivers are employees who drive company-owned vehicles. These employees are covered while driving vehicles you own, borrow or hire. If you rent a car for business purposes and your name is the only one on the lease, any other employee who drives the car may not be covered. When renting vehicles, you must list everyone who may drive the vehicle while it is in your possession.
Running a business can often require more than one type of business insurance coverage. As long as you plan ahead, you can rest assured that your daily business operations are protected.
Protect your company's vehicles. Call Integrity Network Insurance Group at (512) 989-6006 for more information on Round Rock commercial auto insurance.
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