Why Business Auto Insurance is Important
Owning commercial cars may represent the largest asset for some businesses.
If you own a business, your commercial vehicles may also be worth a hefty sum. With the goal of ensuring the overall well-being of the company, business owners should consider having protection in place. Based on your request, a commercial or business auto insurance policy from our agency may protect your vehicles against theft, fire, and weather-related losses.
In addition to protecting your automobiles against physical hazards, you should also be aware of other liabilities. For example, you can incur losses from collisions, and other mishaps. Unforeseen incidents can happen to any driver on the job, regardless of their level of skill or experience. Our agency can help business owners avoid potential losses with a tailored policy based on your direction.
These instances can leave business owners vulnerable to financial hardship. Besides offering business auto insurance, our agency also offers general liability insurance for this very reason. With this added insurance, you can rest assured knowing that your business will be defended against expensive claims.
Reasons You May Need Business Auto Insurance
Laws are usually explicit in describing which businesses require commercial auto insurance. However, legal terminology can be complex and can confuse readers. Rather than alienate business owners, we have developed a shortlist to help you.
Here are some of the reasons you should have a commercial auto policy:
- You have employees that operate vehicles registered to a company or partnership.
- The vehicles you own are used to conduct a service, such as transporting people or goods.
- Hauling tools and other heavy equipment are necessary in order to conduct your business.
- The current liability coverage you have does not cover losses that might occur in your line of work.
Butler & Messier has been assisting in protecting families and businesses in Rhode Island since 1903. From auto, home, and business insurance needs, we offer a wide selection of options to meet your identified needs. Additionally, our long history of providing insurance to area residents is a testament to the high quality of our customer service.