Using the right tool for a job is key to success in any profession
Experts say the same principle applies when selecting a Florida auto insurance policy. Having the right type of policy can help ensure that you, your employees and your business are all adequately protected in the unfortunate event that one of your vehicles is involved in an accident.
If you are a business owners and you or your employees use a vehicle for business-related deliveries or to carry material to and from a job site, you may need a commercial auto insurance policy that is tailored to more closely suit the needs of a business vehicle operator.
Here are some questions that can assist you in determining if you might need a commercial auto policy instead of a personal auto policy, courtesy of V.W. Gould Agency, Inc.
Do you need more liability coverage than your personal auto policy provides?
Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.
Do you need special coverage for situations associated with conducting business?
Commercial auto insurance policies also usually offer certain coverage’s such as hired and non owned auto coverage and coverage for towing a trailer for business use, that are not available with personal auto insurance policies.
Do you need to list any employees as drivers?
You can do this with a commercial auto insurance policy
Do you use your vehicle for business purposes?
If you use your vehicle for things such as pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, day car – church, can service, or farm-to-market delivery, you might need a commercial auto policy.
V.W. Gould Agency is an independent insurance agency, trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your needs and those of your company.
To learn more about all we can offer you as an independent insurance agency, give us a call at (386) 734 3970