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Do I Need Commercial Auto Insurance?

For individuals, auto insurance is required by law; commercial auto insurance is required for any business that uses vehicles to conduct business. Commercial auto insurance allows you to rest assured that all of the business conducted in your vehicles will be protected. Without this vital insurance policy, you leave your organization, your assets, and your employees vulnerable to great harm.

While you may be inclined to think that a commercial auto insurance policy is unnecessary, (because you may not conduct all of your business with vehicles or because your employees drive their own vehicles) anytime a vehicle is used in business operations, you must obtain this insurance policy. Whether an employee runs errands for you or delivers products in their own vehicle, you must have this insurance policy.

When choosing the right coverage options to obtain for your commercial auto insurance policy, you must have an experienced insurance agent by your side that can personalize the policy to meet the unique needs of your business. Your commercial auto insurance policy needs will depend on your particular line of business and your specific business duties conducted in these vehicles. An experienced independent agent, like Michelle Lim Insurance Services Insurance, can evaluate your particular needs and provide you with insurance solutions catered to meet your organization.

While law requires some of the following coverage options, others you will have to choose depending on your company’s particular needs:

  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Injury/Medical Payments Coverage
  • Collision
  • Comprehensive
  • Uninsured/Underinsured Coverage
  • Trailer Interchange
  • Rental Reimbursement

Allow us to assist in personalizing a commercial auto insurance policy for you! Contact Michelle Lim Insurance Services Insurance in Alhambra for all of your California commercial auto insurance needs. In order to receive peace of mind when your employees are transporting goods, services, and inventory, you must have a sound commercial auto insurance policy in place.

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