Does Your Business Need Commercial Auto Insurance?

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Does Your Business Need Commercial Auto Insurance?
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• If youre running any kind of business, large or
  small, that frequently uses cars, trucks and vans
  as part of its everyday operations, then if you
  havent already got commercial auto insurance,
  you should talk to an insurance professional
  about purchasing it today.
• What is commercial auto insurance?
• Commercial auto insurance covers any vehicles
  used by your business, for a variety of
  situations not covered by a personal auto
  insurance policy. It covers many different types
  of commercial vehicles, such as company cars,
  commercial trucks, and vans basically, any
  vehicle used for business purposes instead of
  personal.

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• Do you need commercial vehicle insurance?
• If youre a business owner, you may find that
  certain usages and vehicle types are excluded
  from your personal auto insurance policy, and if
  vehicles are used frequently during the running
  of your business, then there can be no question
  that you would benefit from some of the coverages
  offered by a commercial auto policy. However,
  its not always cut and dried
• What does commercial vehicle insurance typically
  cover?
• There are several differences between your
  personal auto insurance and that of a commercial
  vehicle policy, which may include eligibility,
  definitions, coverages, exclusions and limits.

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• Bodily injury liability coverage if someone has
  an accident and is found to be at fault, then
  this type of coverage pays for bodily injury or
  death and often provides a legal defense, too.
• Property damage liability coverage if your
  vehicle causes accidental damage to someone
  elses property, this policy offers you
  protection and a legal defense.
• Combined single limit (CSL) this, single limit
  coverage typically gives separate limits that
  apply to bodily injury claims for property
  damage. Whether one person or more, bodily injury
  or property damage, this policy has the same
  dollar amount of coverage per covered occurrence.

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• Medical payments, no-fault or personal injury
  coverage regardless of who was at fault, if
  your vehicle is involved in a covered accident,
  this policy usually pays for the driver and
  passengers medical expenses.
• Uninsured motorist coverage if your vehicle is
  involved in a hit-and-run incident or is involved
  in an accident with an uninsured driver, then
  this policy should pay for any injuries incurred
  and, in some cases, property damage, too.
• Comprehensive physical damage coverage if your
  vehicle is damaged due to theft, vandalism, fire,
  flood or any other peril covered, then this
  policy covers those costs.

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• Collision coverage if your vehicle is hit by
  another object, or hits something, then this
  coverage pays for any damage incurred.
• To ensure that you, your business and any
  vehicles associated with it, are adequately
  protected, talk to your insurance provider today
  about commercial auto insurancebefore its too
  late!

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• We Insure Miami was founded on the principle that
  every individual and business, big and small, has
  assets and valuables that need to be protected
  and insured against forces outside of our
  control. We offer Homeowners, business and auto
  insurance in Miami FL. Our agents understand that
  you work hard every day to protect your car,
  home, business and family. WE are passionate
  about Insurance and passionate about serving you.
  If you are looking for homeowners or business or
  commercial auto insurance in Miami FL, contact us
  for a quote or a complimentary review of your
  insurance policies.