THURSDAY, JUNE 3, 2021
A responsible individual wouldn’t hit the road without auto insurance, just like a responsible business owner wouldn’t let employees operate vehicles on the job without commercial auto insurance. What is that exactly? Commercial auto insurance is similar to personal auto insurance, but designed to cover vehicles that are owned and operated by businesses and their employees.
A variety of businesses use vehicles in their daily operations. A restaurant or catering service makes homes deliveries. A limo service chauffeurs passengers around town. A construction crew drives to worksites while transporting tools and equipment. Any driving activity that is performed on the job (excluding commutes), whether an employee drives a company-owned truck or drives his own car to off-site sales meetings, requires commercial auto insurance. 
Every business that falls into this category is responsible for purchasing commercial auto liability coverage, which protects third parties from damages incurred in an accident that was the fault of the insured business. They are also responsible for insuring employees’ personal cars that are used for business purposes, because this coverage is often excluded from employees’ personal auto insurance policies. However, to protect the business’ costs following an accident, consider the following coverages in addition to liability coverage:
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Comprehensive: Covers repairs/replacements if covered vehicles are damaged or destroyed due to fire, severe weather, theft or vandalism.
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Uninsured/underinsured motorist: Covers your costs following an accident with an at-fault driver who is uninsured or underinsured.
Discuss your commercial auto insurance options with your independent agent. Be sure to include details about the number and types of vehicles utilized by your business, the number of employees who drive on the job and the business’ ability to pay large sums in the event of a claim. Your agent will then shop for the most suitable policy on your behalf.
Protect your business at headquarters and on the road. Contact Strawn & Co. Insurance for more information on Georgia business insurance.
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