Safeguard Your Company with Business Auto.
If your company has wheels on the road, then you need business auto insurance. Road conditions, weather, and even other drivers are all unpredictable. Business auto insurance is similar to your personal auto insurance policy, but there are some important differences that you should make note of. Rest easy, though. Burkhart Insurance will walk you through the entire process, because making complicated insurance matters simple is what we do best.
Do I really need business auto insurance?
You need coverage for any cars, trucks, or vans your business rents, leases or owns. You’ll also want to carry coverage if any employees drive their own vehicles for business purposes. If an employee is in an accident while doing business for you, then, once their personal auto insurance policy limits are exhausted, the injured party could come after you.
Can I tailor my business auto coverage options?
Business auto insurance also allows you to select different levels of coverage. The law for most states is that you’re required to carry at least commercial liability insurance. Once we’ve talked about what level of coverage makes the most sense for your business, Burkhart Insurance will shop our top-rated network of insurance companies to build a plan that fits your needs and budget. Areas that we look at when customizing your plan include:
- Auto liability
- Medical payments
- Comprehensive coverage
- Collision coverage
- Uninsured and underinsured motorist coverage
- Coverage for autos you borrow or rent
- Coverage for employees using their personal cars for the business
Can I drive my business vehicle for personal use, too?
Some corporate vehicles work double-duty. Employees will use the vehicle from 8 to 5 for business purposes, then turn around and use it to pick their kids up from school or practice, get groceries, or drive around town. And that’s ok… if you have proper coverage. If you’ve got a situation like this, Burkhart Insurance will talk you through adding an enhancement that covers family members that drive your company car, too. Good news: It’s inexpensive to get extra coverage.