Our Brokers And Agents Deliver Simplicity Commercial Directors’ and Officers’ Liability Insurance.
Many states require autos to be insured for liability at a minimum level, whether the autos are used for business or personal use. In a business situation, you may be required to provide additional coverage and insurance for employees who use your personal or company vehicle.
If your business needs Commercial Automobile Insurance, Big Rig Truck Insurance, Box Truck, Delivery Van or fleet auto insurance call for expert help with business coverage (844) 863-6154 if you are located in AL,AR,FL,GA,IA,IN,KS,MO,MS,NC,NE,NJ,OH,PA,SC,TN or VA.
What are the Liability Coverage Types in Business Auto Policy?
Combined single limit (CSL)
Combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combined single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver’s car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.
Split limit liability coverage policy splits the coverage’s into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver’s vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.
Bodily injury liability coverage is also usually split into a maximum payment per person and a maximum payment per accident.
The limits are often expressed separated by slashes in the following form: “bodily injury per person”/”bodily injury per accident”/”property damage”.**
Prior to contacting state, county, and city officials regarding insurance requirements, you may want to make a list of questions.
An insurance guide is often available through your state government’s web site. You should also contact your state, county, and city with questions regarding obligations you may have to purchase insurance.
We have great success with the following social service organizations as well with Commercial Automobile Insurance, General Liability Insurance and Property Insurance.
Youth Programs, Adult Daycare, Family Counseling & Therapy, Transitional Living Group Homes, Career & Budget Counseling, Sober Living Homes, Behavioral Health Centers, Vocational & Life Skills Coaching, Mentoring Programs, Community Health Centers, Alcohol/Drug Rehabilitation Centers, Community Centers, Food Banks and Pantries, Foster Care & Adoptions, Special Needs Day Care, Pregnancy Counseling, Outpatient Counseling, Emergency Shelters, Hospices, Memory Care Facilities, Medical Transport, Managed Care Organizations, Community Gardens, Pregnancy Help Centers and many more.
Auto insurance is one of the most important investments that businesses and commercial enterprises make. Not only does it provide financial protection in the event of an accident, but it also helps to protect the company’s reputation and assets. It is important to understand the various types of auto insurance available and how to get affordable coverage from commercial insurance agencies. This guide will provide an overview of the different types of auto insurance and how to get the best coverage at the most affordable cost.
Types of Business or Commercial Auto Insurance
There are a variety of auto insurance policies available to businesses and commercial entities. The most common types of auto insurance policies include liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
Liability insurance is the most basic type of auto insurance and is required for all vehicles. It covers the cost of damage and injury to others caused by the insured vehicle. Liability coverage is often broken down into two parts: bodily injury liability and property damage liability.
Collision coverage is optional and covers damage to the insured vehicle caused by a collision with another vehicle or object. Comprehensive coverage is also optional and covers damage to the insured vehicle caused by something other than a collision, such as fire, theft, or vandalism. Uninsured/underinsured motorist coverage is optional and covers the cost of injuries caused by a driver that does not have adequate insurance coverage.
Finding Affordable Coverage
When searching for affordable auto insurance, it is important to compare different policies and companies to get the best coverage at the most affordable cost. Here are some tips for finding the right coverage at the best price.
1. Shop Around: Take the time to shop around and compare different policies and companies. Contact several different commercial insurance agencies and get quotes for the coverage that you need. Make sure to compare coverage levels, deductibles, and discounts available.
2. Check Your Credit: Many insurance companies use credit-based insurance scores to determine rates. Make sure to check your credit report and dispute any errors that may be negatively impacting your score.
3. Look for Discounts: Many insurance companies offer discounts for businesses and commercial entities. Make sure to ask about any discounts that may be available to you, such as for good driving records, multiple vehicles, and safety features.
4. Bundle Your Coverage: Many commercial insurance agencies offer discounts for bundling multiple types of coverage, such as liability and collision. Consider bundling your coverage to get the best rate.
5. Increase Your Deductible: Increasing your deductible can lower your premium significantly. Make sure to weigh the costs and benefits of increasing your deductible before making a decision.
6. Pay Annually: Paying your premium annually can result in significant savings. Many commercial insurance agencies offer up to a 10% discount for paying your premium in full.
Auto insurance is an important investment for businesses and commercial entities. It is important to understand the various types of auto insurance available and how to get the best coverage at the most affordable cost. Take the time to shop around, compare coverage levels, deductibles, and discounts, and look for ways to bundle your coverage and save. By following these tips, you should be able to get the most affordable auto insurance coverage from commercial insurance agencies.
Commercial Insurance Agencies: Offering the Absolute Best Advice and Rates for Commercial Automobile Insurance
Commercial insurance is an important component of any business’s success, as it provides protection against the unforeseen costs associated with accidents, injuries, and other risks. Commercial auto insurance, in particular, is essential for businesses that operate fleets of vehicles, as uninsured drivers can be a major liability. Fortunately, Commercial Insurance Agencies (CIA) is a multi-state business insurance agency that offers the absolute best advice and rates for commercial auto insurance.
At CIA, our professionals are committed to providing the highest quality service to our clients. Our team has decades of experience in the field of commercial auto insurance, and we have established relationships with the top insurance companies in the industry. We carefully evaluate each individual company and determine which one offers the best coverage and the most competitive rates.
Our professionals are knowledgeable and experienced in the field of commercial auto insurance, and they understand the complexities of the insurance industry. We will work with you to determine the best coverage for your business, taking into account your budget and the specific needs of your company.
When you work with CIA, you will benefit from our commitment to customer service. Our team will provide you with tailored advice and guidance throughout the process, and we will be there to answer any questions you may have. We will review your policy and make sure it is up to date and that it provides the best coverage for your business.
We understand that commercial automobile insurance is an important part of any business’s success, and we want to make sure that our clients are fully protected.
At CIA, we understand that commercial auto insurance can be expensive. That is why we strive to offer the most competitive rates in the industry. Our team will work hard to find the best rate for your business, and we will negotiate with the insurance companies to get you the lowest possible rate.
We also understand that the process of obtaining commercial auto insurance, including big rig trucks and even fleet policies can be complicated and time consuming. That is why we have developed a streamlined process that will make it easy for you to get the coverage you need. We will help you fill out all the necessary paperwork, and we will make sure that your policy meets all state and federal regulations.
At CIA, our team of professionals is dedicated to providing the best advice and rates for commercial auto insurance. We understand the importance of having the right coverage, and we are committed to helping our clients get the protection they need. Our team is knowledgeable and experienced in the field of commercial auto insurance, and we have established relationships with the top insurance companies in the industry.
We will work with you to determine the best coverage for your business, taking into account your budget and the specific needs of your company. We are confident that our team can help you find the best policy for your business, and we will be there to answer any questions you may have throughout the process.