Commercial Vehicle Insurance

If you are a business person who owns one or several vehicles, among the most important vehicles that you own is a commercial vehicle. Having a medium of delivering goods to your business or clients on time is the most exceptional convenient. However, the question you should be asking yourself is, as I drive my commercial vehicle, what danger does it pose to property and people inside the vehicle or outside? It is such a sad state of affairs that the vehicle that gives you so much convenience is also one of those whose well-being you neglect.

You might not be in charge of your commercial vehicle most times since you depend on your drivers to stay in control. The best you can, therefore, do is get commercial vehicle insurance. Commercial vehicle Insurance is your vehicle’s guardian angel since it spends most of the day far away from you; whatever damages it causes might be far beyond your control. Our agents understand the financial value you have placed in your commercial vehicle; therefore, one of our agents is on standby waiting to help you acquire insurance for your vehicle. Plunging into the insurance market can be confusing, and this is why you need our help to make you make informed decisions and excellent decisions.

What does commercial vehicle insurance mean?

First, a commercial vehicle is a business asset; hence commercial vehicle insurance is classified as a form of business insurance. Primarily, having an auto-insurance cover for your vehicle is mandatory, but this is not enough to cover your vehicle’s commercial role. Therefore, commercial vehicle insurance comes in to cover any additional liabilities that might arise from vehicle usage.

What coverage to expect in your commercial vehicle insurance?

The content of your commercial vehicle insurance cover is going to differ depending on your insurer. Therefore, the policy you get depends on the terms of the insurance company you have chosen to work with. Remember that our team of agents walks with you through the entire process. The end goal is to ensure you get a policy that you understand and one whose terms you are agreeable to.

Also, business needs vary from one business to another, and the same applies to commercial vehicles. Customization of commercial vehicle insurance policies is one of the unique services insurance companies offer to their clients. Knowing what you are looking for can help your agent find a commercial insurance cover whose terms reflect your personal business needs. Each client is unique and distinct, and our team of agents’ aim is to offer you that one person who will help you get a policy that works for you and not vice versa.

Some of the things you should expect to be covered in your insurance are as follows:

• Compensation of injuries caused by your vehicle to yourself, your driver, or third parties on the road
• Medical expenses for injuries arising from the accident and even covering funeral costs in case of a death
• Towing fees in the event your vehicle stalls
• Vehicle loaner fees when your vehicle is still at the repairer’s shop
• Compensation of damaged property

Understanding how commercial vehicle insurance operates

Commercial vehicle insurance is all about securing your commercial vehicles; it can be one vehicle or several. Your commercial vehicle’s operation might cause an accident in which the driver and co-drivers get injured, or the vehicle incurs extensive damage. After all, precautions to save the victims are done after such incidences, the first call you should make is to your insurer. If you have an up to date insurance cover, your insurer will immediately send a towing vehicle to remove your vehicle from the scene. If you decide to tow the vehicle at your own cost, your insurer will compensate you for the money spent. The insurer will take care of any incurred medical expenses used in treatments and offer repair services, among many other needs the accident might have caused.

Always remember that commercial vehicle insurance has its limits on the amount of money that can be spent covering the accident’s aftermath. With your agent’s help, you can always get a policy to take care of more extensive claims. Therefore, you must be particular about the limit you want on your policy so that you are sure you are adequately covered. Our team of agents is knowledgeable on all commercial vehicle insurance options, and all the information you want will always be laid out to you. Remember, with our agents; you are the boss; they play an advisory role and ensure that you get the best policy in the market.

What tasks qualify as commercial tasks?

Commercial tasks happen to be several, and at times you might not even realize it is a commercial task. Any task that your vehicle does that benefit your business in any way is a commercial task. Some of these tasks include but are not limited to the following:

• Business deliveries made to clients.
• Ferrying of clients to their various destinations
• The hiring of the vehicle to other persons for a financial gain
• Transportation of your business goods in the vehicle

Take note that some commercial tasks are not direct, and they might have to be inferred. If you have problems knowing which tasks qualify as a commercial, your agent can always advise you accordingly.

How to Get the Best Commercial Vehicle Insurance Quote

The insurance market is flooded; even people who have acquired commercial vehicle insurance often have a hard time changing their insurer. Our agents understand the confusion caused when a single individual gets thousands of insurance companies’ quotations. All you need to do is pick one of our agents, and you will be a step away from securing your insurance. Our agents have all firsthand information about the best insurers, and all you need is to book an appointment today and let your journey begin.