How will your employees’ driving records affect your commercial auto premiums?
Keep your team protected on the road.
Commercial Auto insurance provides liability and physical damage coverage for the vehicles used in your business. Vehicles can range from private passenger cars used for delivery, to pickup trucks, to tractor trailers, and everything in between. Your United Insurance agent will want to know about any vehicles owned by your business, plus any others that are used by your employees during their work day.
Factors to consider when evaluating Business Auto insurance:
- Deductibles – opting for a higher deductible could save you premium dollars today, but you’d pay more out-of-pocket in the event of a claim.
- Non-Owned Autos — if employees use their vehicles in the course of business, then you might want to extend your liability coverage to Non-Owned Autos. If they are driving on your behalf and cause an accident, then your business might be held responsible for the damages.
- Hired Autos – if your business regularly rents vehicles or trailers, then you might be able to extend your policy to provide liability and physical damage coverage for those rented vehicles, up to a certain limit.