FRIDAY, SEPTEMBER 25, 2015
 If your business relies on couriers, truckers or other types of delivery services, you probably employ workers who must keep flexible schedules. Since shifts may be scheduled based on need, your staff's hours can vary from week to week — or even day to day. But no matter what time of day your employees are on the road, they will need the protection of commercial auto insurance.
Every vehicle on the road is required to be insured, but commercial auto insurance is also specifically designed to protect business property, driver safety and the interest of third parties. Let's break this down further and look at how all three parties are protected by this coverage.
The Insured Business
While it ensures your fleet meets state regulations, a commercial auto insurance policy with the right coverage options also helps protect business-owned vehicles and the cargo they carry. Anything can happen during transit — from accidents with other vehicles to goods being stolen while the driver stops to use the restroom. Your independent insurance agent can assess the unique needs of your business and recommend the coverage options that can offer the best protection.
Employees Who Drive on Flexible Schedules
Even though rush hour is arguably the riskiest time to drive, off-hours — especially while it's dark — present plenty of dangers as well. So, no matter what time your employees are scheduled to drive, there are unique risks they must face. Luckily, certain medical coverage options can help cover the costs of any necessary medical treatment if an employee is involved in an accident.
Third Parties
If your driver causes an accident, the other parties involved may suffer property damage or injuries. Liability coverage offers financial protection for those people, which reduces the risk of them suing you to recover damages.
Flexible schedules can help your drivers complete their work in a timely manner, but they should never have to do so without the right protection. Ask your agent about commercial auto insurance today.
We've got you covered. Call Integrity Network Insurance Group, LLC at (512) 989-6006 for more information on Texas commercial auto insurance.
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