Even if vehicles aren’t your main revenue source, they might become a major source of loss for your company.
Don’t risk being underinsured or overpaying for your business auto insurance. Commercial vehicle coverage is markedly different from personal auto insurance, often involving multiple vehicles and greater liability exposure that can affect your entire business.
Ensuring your commercial auto policy offers robust protection is crucial, not just for your business, but for your personal assets as well. Even unfounded claims can be financially devastating.
At I. Dachs & Sons, our experienced agents work with you to design a business auto policy that fits your unique needs, protecting your assets and giving you peace of mind every time your team hits the road.
Protect Your Fleet
What Should my Commercial Auto Policy Cover?
Commercial auto insurance can provide coverage for all of these risks:
- Comprehensive and Collision
- Emergency Roadside Assistance
- Liability
- Medical Payments
- Loss of Earnings
- Uninsured Motor Vehicle
Why Do I Need Comprehensive Coverage?
Business owners are taking notes on how to make a purchase more convenient for customers. Employees of our local businesses often drive to and from clients, or vendors, on daily deliveries, irregular duties, or 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 caused by one of your employees.
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.
Don't Put Your Auto Fleet at Risk
Can you afford to expose your income, your personal property, and your employees to this high level of risk? We can help.
Worried About Costs?
Don’t be. Business auto insurance is remarkably inexpensive, especially given how important the protection is to your business.
A Quick, But Important Story
As one business owner found out, it’s always best to ask if you don’t know what type of policies you may need.
This owner had a love for fashion, and a knack for finding gently-used clothing. She hoped one day to own a shop of her own. One day, she decided to take a leap of faith and open her own vintage clothing boutique.
It didn’t take long for business to start booming for the boutique, which had expanded to include a new website—making it possible to ship anywhere in the U.S. It wasn’t long before she made the connection: Why not complete personal deliveries for locals? She purchased magnetic signs to stick on her personal car to market her business.
Months passed, one day she was making her regular Tuesday deliveries, when the unthinkable occurred—she backed into a young man on a bicycle. While he was not seriously injured, he was hospitalized overnight for monitoring.
The business owner thought all would be well, since the biker was not seriously hurt. The next day, however, the claims adjuster called to inform her that since she was doing business at the time of the accident, the claim would not be covered by her current insurance carrier.
Stuck with a huge hospital bill and letter of lawsuit from the biker’s attorney, she was forced to shut down her business, and forfeit her dream.
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The I. Dachs Difference
You might be tempted to choose the least expensive insurance available, but keep in mind that you could be sacrificing important coverage. While many insurance products may appear similar in cost and purpose, insurance providers differ greatly in how they tailor policies to truly protect you. There’s no universal insurance solution that fits every business’ unique needs.
As members of your community, we safeguard businesses and individuals we genuinely care about. That’s why we’re committed to finding better ways to protect you, including selecting insurance partners who are both cost-effective and responsive. Reach out to us and let our experts help you build the strongest shield to secure what you’ve worked so hard to achieve.
