PROTECTING YOUR BUSINESS’S VEHICLES
Even if your vehicles are not the primary way your business makes money, they could end up becoming the primary way your company loses money. Without the right business auto insurance policy you may overpay but be underinsured.
Business auto insurance is different than personal vehicle insurance. In many cases, not only are there multiple vehicles to cover, but also the liability from accidents or claims that will extend to your business as a whole.
We make protecting your business easy.
Making sure the coverage levels for your commercial auto insurance are high enough to protect your business (not to mention you, personally) from claims—even those which are unwarranted—can ensure you avoid financial risk
Business auto insurance is remarkably inexpensive and is a very good value, especially given how important the protection is to your enterprise.
We should my auto policy cover?
Commercial auto insurance can provide coverage for all of these risks:
Comprehensive
& Collision
Covers damage to autos and property left by customers
Emergency Roadside
Assistance
Covers possible damage from lot and garage-related operations
Uninsured
Motor Vehicle
Covering damage to garage-owned autos on the lot or stored
Medical Payments
Covers damage to autos and property left by customers
Liability
Covers possible damage from lot and garage-related operations
Loss of Earnings
Covering damage to garage-owned autos on the lot or stored
Why do I need such comprehensive coverage?
Because the exposure is high. Employees often drive to and from client sites, or vendor locations, they make daily deliveries, have irregular duties that put them behind the wheel, and may run errands as requested.
While this may help keep sales on the rise, when your employee uses a vehicle for business purposes, their personal auto policy coverage NO LONGER APPLIES in the event of an accident, property damage, or fatality.
This is a serious distinction many business owners either don’t know, or try not to think about. But it is a fact that can cost you your entire business in a single moment. We have seen it happen.
What to expect from our company
A commercial auto policy, also known as business auto, is purchased and set in place to protect the business assets and the owner if a claim were to arise during business related travel. At our firm, you’ll speak with an experienced agent whose main goal is to design a policy fit to your particular business needs.
Whether the driving of the vehicle is for the occasional run, a possible new venture, or a daily necessity, we are here to make sure coverage is appropriate and answer any questions you may have.
The Graham Insurance Difference
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Contact us and let the professionals at Graham help you forge the strongest shield possible to help you protect the things you are working hard to build.
