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Commercial Insurance
As a business owner, you may have one or more vehicles used for business purposes. The right commercial auto insurance covers you for accidents, injuries and other incidents that can put those investments at risk.
Start a Free QuoteCommercial automobile insurance is a broad term that refers to most commercial business automobiles, including company cars, cargo vans, limos, taxis, buses, SUVs, and pickup trucks. Commercial auto policies cover personal cars used for business as well as vehicles used solely for business purposes.
Use of these automobiles is associated with a range of risk factors, including how you use them, how often, and how many miles they travel each year. Insurance companies review these risk factors along with any efforts your company may make to improve driver safety when they assess coverage needs.
Commercial auto insurance policies combine several different types of coverage — some required and some optional:
For best protection, consider a commercial umbrella liability policy for additional coverage beyond your auto policy limits.
Small business owners and entrepreneurs often use their own cars while on the job without a second thought. However, your personal insurance may not cover commercial use of your auto.
It's very common for a small business owner to send an employee out on an errand. If the staff member gets behind the wheel of their own car and the business owner does not have a commercial auto insurance policy in place that covers that worker, any injuries or damage from an accident may not be covered.
Regardless of how much or how little you and your employees use personal vehicles for business, getting adequate coverage in place can prevent a financially damaging event from putting your business at risk.
An independent agent like Insurance Plus can provide all of your commercial coverage through one office. We'll sit down with you, get to know your business, and learn how you and your employees use your business automobiles.
If you're in the market for commercial auto insurance in Columbia, or if you have coverage already but aren't sure it's comprehensive or competitively priced, we'll give you an open and honest assessment.
Call or contact our office today to get started. Either way, we'll make the process easy!
We understand the unique risks Missouri businesses face and build coverage around your operations.
Your advisor knows your business inside and out, providing proactive guidance as your needs evolve.
Access to 40+ carriers means competitive rates and the right coverage, not a one-size-fits-all policy.
Get a tailored commercial insurance review from our Columbia, MO team.
