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Commercial Auto Insurance

Whether you have one vehicle used for business or an entire fleet of trucks, securing the proper commercial auto insurance for your company is critical to protecting you, your employees, and other drivers on the road. At Navigator Risk Management, we work with clients to guide them through the process of securing proper auto insurance and assisting them through any claims cases should an accident occur. Contact us, and we’ll make sure that you’re covered for liability, physical damage to vehicles, and medical expenses.

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The Difference Between Personal and Commercial Auto Insurance

If you’re a small business owner who owns a vehicle for work-related job duties, it can be confusing to know whether or not you should have commercial auto insurance. Outside of your commute, if you use a car for work transportation, such as traveling to job sites, making deliveries, or transporting equipment, your personal auto insurance may not cover you if you get in an accident while performing one of these duties. So how do you know if you need commercial auto insurance? If the vehicle owner is the name of the business, then you need to have commercial insurance. Any employee driving the vehicle will be covered under the policy. Commercial insurance typically covers higher claims and legal issues that are more complex and can arise in a work-related accident. If you’re a smaller operation and the vehicle is in your name but is used for work, we can help determine if you need a commercial auto policy.

Make Sure Your Business is Properly Insured

Commercial vehicle insurance covers many different scenarios you or your employees might encounter on the road. If you transport goods or people, conduct services with vehicles, or tow heavy equipment and tools for work, commercial auto insurance is a requirement that should not be overlooked. At Navigator Risk Management, we work tirelessly to identify the best insurance policies for our clients while taking steps to ensure they don’t pay more than they should for their premium. Contact us to learn more about commercial auto insurance today.

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