Commercial Auto Insurance
Whether it’s a taco delivery truck, a fleet of trucks fitted with snowplows, or a lot filled with black Lincoln Town Car Limos, we can make sure that you, your business, and your drivers are protected. In Massachusetts, commercial auto insurance is crucial to the success and protection of a business with vehicles on the road.
Your commercial vehicles are an extension of your business and your brand. They’re billboards on wheels. As such, you maintain them and keep them clean. You can control the readiness of the vehicles, but you can’t eliminate human error or the inevitable accidents. Perhaps your pizza delivery girl drives a little fast and loose for your comfort. Or maybe those plow drivers of yours tend to have a bit too much fun when spinning around the freshly-plowed coffee shop parking lot.
And then there’s the problems you can’t prevent. Maybe you’re worried about your valuable food truck getting stolen. Or someone cracking into your construction van filled with expensive power tools. Your business will suffer if you don’t have the proper liability and damage coverage for your commercial vehicles. And personal automobile insurance isn’t nearly enough for a business owner.
Our society becomes more litigious by the day. Your average citizen may act reasonably if you get into a fender bender with your personal vehicle. However, some unscrupulous folks will see a business logo on the side of a vehicle and dream of lawsuits and dollar signs. They’ll sue, and you need to be prepared.
Consider the following types of coverage to adequately protect your business vehicles and employees:
- Liability Coverage
- Comprehensive Coverage
- Physical Damage Coverage
- Medical Payments
- Non-owned Vehicle Liability Coverage
- Umbrella Coverage (additional liability)
- Additional Coverage (for anything that may need to be replaced after an accident)
You should know that a Massachusetts commercial auto insurance policy typically covers the same areas covered by the insurance purchased by private individuals. However, there are many add-ons more suited for commercial driving, such as coverage for your employees, equipment and business. Employee coverage includes a broadened and blanket policy that protects additional employees or people for whom your business is doing work. Equipment includes loading and unloading goods. And business protects your assets in the event of a lawsuit.
The process for purchasing a Massachusetts commercial auto insurance policy is similar to your experience buying insurance for your personal vehicle. But while the process is similar, the coverage and products are different. Call us. We’ll get you covered properly so you can worry about doing business, not protecting your business.