As a business owner, you know that commercial auto insurance extends to virtually any car or truck used for business purposes. From the company sedan that’s driven by your sales personnel or office staff, to the box truck your employees use to make deliveries, to the pickup that you take to work sites and use to store your tools and equipment, all of these are commercial vehicles being used for business-related purposes, and thus they all need to be protected with a commercial auto insurance policy.
However, if you use your personal vehicle for business purposes, like picking up company supplies and materials, providing services such as snow plowing or ride sharing, or dropping off samples and products with customers, you may be wondering if commercial auto insurance is even relevant to you. Actually, it is critical to let your insurance professional know when you use your own car or truck for business-related activities like these so that they can ensure you have the proper coverage, whether it be a commercial auto policy or enhancements to your standard personal auto insurance protection.
At Anderson, Bagley & Mayo (ABM), our team has been providing personalized and cost-effective commercial auto insurance solutions to business owners in Leominster, Westminster, Gardner, and throughout North Central Massachusetts for more than 100 years. So, whether your company cars and trucks are the primary way your business makes money or if they are used for airport runs and local errands, we are confident that our team can help you find comprehensive and affordable commercial auto insurance coverage that is designed for the specific types of business vehicles you own, how they are used, and the potential risks, hazards and roadway scenarios they could face.
The first step in designing the optimal commercial auto insurance solution for you and your business vehicle(s) is an information gathering session between you and the ABM team. In order for our professionals to identify all available commercial insurance products that will fit your needs and/or fill in any gaps in your current coverage, we will need to understand everything about the cars and trucks you use for business purposes, including:
Your answers to these questions, and others like them, are all critical factors we will use to determine your company’s level of risk as a result of owning vehicles used for business purposes. Once we understand whether you are a low, medium or high-risk business, we can help you anticipate the premium that insurers are likely to set and find you the right commercial insurance policy from the top-rated insurance carriers we have carefully selected to work with.
Like most business owners in our North Central Massachusetts community, you probably have employees that frequently drive to and from clients and vendors, provide daily pick-up and delivery service, and/or use the company car or their own vehicle to run work errands or for other business purposes. Without a commercial auto insurance policy in place, or with one that does not have adequate coverage levels, you are not only exposing your business, but yourself personally, to significant financial risk in the event of any accident-related claims.
Getting expert help from a local insurance professional, like ABM, will ensure that you, your employees, other individuals on the road, your vehicles, and your business are properly safeguarded by the right commercial auto insurance policy. Contact ABM today for a review of your current policies or for assistance with a new policy. Our dedicated team will make sure you have the best coverage at the most affordable rate.
As your local insurance partner, ABM is always available to answer questions that you have about your commercial auto insurance options and to fully explain your coverages, limitations, and exclusions. While speaking to you in person or over the phone is certainly the best way for us to provide you with insurance details for your specific type of commercial vehicles, we are happy to offer a general overview below of standard commercial auto insurance coverages.