Commercial Auto Insurance
for Kingsburg, Fresno, Selma, Hanford, Dinuba, Visalia, and surrounding areas
Protection On The Go
Commercial Auto Insurance From Kingsburg Insurance Agency
Whether you’re moving products or people, your business vehicles are a source of tremendous risk exposure each and every day. Relying exclusively on general liability insurance could be a costly mistake. Commercial Auto Insurance is a must for companies that use any vehicles to pick up or deliver goods, or conduct business activities. If your vehicles are owned or leased by your business, you need Commercial Auto Insurance. There are many reasons that a business should secure Commercial Auto Insurance. Your Kingsburg Insurance agent can help you choose the right policy for the type risk your business faces.
Don’t count on personal car insurance when it comes to your business
Your personal vehicle may be the family taxi, grocery pick-up and vacation auto, but when a loss occurs your insurance company may classify it as a commercial vehicle if you are using it for business purposes. Commercial auto insurance and personal auto insurance are two very different types of policies, and commercial use is not a covered loss on a personal auto policy.
Commercial Driving Requires a Commercial Auto Policy
As a general rule, your personal car insurance policy will not cover business driving. From an insurance underwriting standpoint, business driving is considered higher risk than personal driving. Vehicles used for business purposes are driven more often than personal vehicles, thus the risk of an accident, vehicle damage and personal injury are far greater. In addition, your personal auto policy was designed to cover your vehicle for private use only. Therefore, commercial use of your vehicle could violate the terms of your personal auto policy. Using your personal vehicle for work means you’re taking on additional risk that you may not have covered. The only way to be sure you are covered is to secure a commercial auto policy, which affords proper limits of liability for your business.
Commercial Auto insurance coverage includes (but is not limited to):
Protection That Keeps You On The Road
- Bodily Injury Liability
Provides coverage for the injuries or death of others
- Property Damage Liability
Pays for damage to other people’s property
- Comprehensive Coverage
Covers losses that result from an event other than an accident, such as vandalism or collision with an animal
- Collision Coverage
Provides protection for your vehicle should a collision occur
- Uninsured / Underinsured Motorist Coverage
Pays for your injuries, damages or death caused by a driver found at fault who does not have insurance or does not have enough insurance to cover all cost
- Medical Payments Coverage
Covers emergency and medical care expenses incurred by you and or your passengers in your vehicle in the event of an accident
Insurance program options include:
Your Kingsburg Insurance Agent can help you navigate through the many options available to you.
- Commercial Umbrella