Does your business have business car insurance coverage?
Business auto insurance covers all vehicles against property and liability risks. It also covers all of your employees while operating their personal vehicles while working for your business. Depending on the type of driving your employees do, we will format a policy that covers your business dependents. Our dedicated expert insurance specialists will sit down with you and explain your auto insurance options, helping you to customize a plan that fits your exact requirements.
Bodily Injury Liability Protection
Commercial automobile insurance can protect you from a variety of different claims, but the most important one is bodily injury resulting from an accident that you or any of your employees are involved in while driving a company vehicle on company business. Bodily injury protection covers the medical costs that are incurred by other parties that are involved in an accident with either you or one of your employees, up to the limits of your policy.
Most commercial automobile insurance policies will also cover the damages inflicted to your vehicle or vehicles during an accident, leaving you to pay whatever deductible you set for your policy. Remember, the lower your deductible, the higher your monthly premium will be. In this way, commercial auto insurance is not all that different from individual auto insurance, except that a commercial policy will cover a fleet of vehicles and all of your employees under one policy.
Damages for Property Liability
Commercial auto insurance policies will also cover claims for damages that are incurred to personal property during an accident with you or one of your employees in a company vehicle. The rate to which the policy will pay is predetermined amount.
Personal Injury Protection
Many commercial auto insurance policies will also cover the injuries of you or your employees up to a certain point, depending on the level of coverage you include in the policy.
For more information on our business car insurance coverage, contact us today to speak with our friendly agents and see how it compliments your business liability policy.
At EnTrust Insurance, we’re experts at determining the exact protection you and your business needs. We service businesses in Miami and throughout the state of Florida.