Commercial Vehicle Insurance San Diego Businesses Depend On
Company vehicles are a convenient way to get your products where they need to go and help your employees attend meetings with important clients. However, you can’t control the weather, road conditions, and other drivers your employees encounter. An accident occurring on company time and involving one of your business’s vehicles can result in injury, property damage, and a lawsuit, but commercial auto liability insurance from American Tri-Star in San Diego, CA, can protect your assets and cover your financial responsibility.
How to Tell If Your Business Needs Commercial Vehicle Insurance
Though determining if you need insurance for commercial vehicles can be confusing, the general rule of thumb is that vehicles used to carry out tasks directly related to a business’s daily operations require commercial auto coverage. If an employee uses his or her vehicle for commuting to work and does not drive it on company time, he or she only needs a personal vehicle insurance policy. However, if the employee uses this same vehicle to travel to job sites and meet with clients while on the clock, your business needs commercial vehicle coverage. Your company also needs insurance for business vehicles if:
- Your company owns, leases, or rents vehicles
- Your employees drive company-owned, leased, or rented vehicles
- Your company vehicles are used for both business and personal purposes
- Your employees drive their own vehicles while conducting business
These are only a few instances where commercial auto coverage is necessary. At American Tri-Star San Diego, we can help you determine the right kind of commercial insurance policy to suit your business’s needs.
Determine the Right Commercial Auto Coverage for Your Company
Whether your business manages a single car or a fleet of trucks, Tri-Star Insurance in San Diego can provide coverage for commercial vehicles that meets your business’s unique needs. Commercial auto policies typically include the following coverage:
- Bodily Injury Liability – Covers injuries or death of any drivers and passengers involved if one of your drivers is held responsible for an accident
- Uninsured Motorist Coverage – Pays for injuries and property damage if one of your drivers is involved in an accident with an at-fault driver who has no insurance
- Property Damage Liability – Covers damage to someone else’s property if one of your drivers is at fault
- Collision Coverage – Pays for damage to your vehicle if your driver hits or is hit by another vehicle
- Comprehensive Coverage – Covers repairs if your vehicle is damaged due to theft, vandalism, falling debris, and many other situations
Though some of the coverage a commercial auto policy provides is similar to that of a personal auto policy, there are still a few differences. Reach out to a knowledgeable representative at American Tri-Star of San Diego to learn about some of these important distinctions and determine exactly what type of coverage your business needs. Give us a call today at 619-272-2100.