Commercial Auto Insurance Las Vegas - As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limousines or buses. The right commercial auto insurance covers you for accidents, injuries and other incidents that could put those investments at risk.
In 2009, the Department of Transportation conducted a study on the impact of distraction on commercial motor vehicle crashes and safety-critical incidents. They found the following:
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Commercial car insurance is a broad term that covers most commercial vehicles, but is not limited to:
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Commercial vehicle policies cover passenger cars used for business purposes, as well as SUVs, light trucks, buses, limousines, taxis, vans and other delivery vehicles used solely for business purposes.
The use of these cars is associated with various risk factors, including how you use them, how often and how many kilometers you drive each year. Insurance companies consider these risk factors, along with your company's efforts to improve driver safety, when evaluating the level of coverage your business needs.
If you are looking for information on coverage for large trucks and heavy equipment used for commercial purposes, see the Commercial Truck Insurance section.
Commercial auto insurance is similar to personal auto insurance in basic coverage such as liability, comprehensive, collision, and other types of coverage specific to commercial vehicle use. A commercial auto policy is designed to protect your business against significant losses that could affect your company's financial well-being.
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Commercial auto insurance policies combine different types of coverage – some mandatory and some optional. A typical policy includes a combination of the following:
Bodily Injury Liability: This section of a commercial auto policy covers injuries to others in an accident caused by you or your employee. Bodily injury coverage provides compensation for medical expenses, funeral expenses if necessary, and costs associated with litigation. The amount of compensation your company receives depends on the limits set in your personal injury liability coverage and your deductible.
Property Damage Liability: This coverage pays for the cost of repairing property damage caused by you or your employee. The amount of coverage you get is based on the limits you set and your deductibles. It is best to work closely with an independent agent to assess your risks and the potential costs of injury, property damage and legal fees. For better protection, consider purchasing an umbrella business liability policy.
Collision: Just like your personal auto policy, a good commercial auto policy should have enough collision coverage to pay for damage to your vehicles if you or your employees cause an accident.
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Comprehensive: Also known as "non-collision," your comprehensive coverage is important protection against damage or loss to your vehicle caused by causes other than collision. These reasons include weather conditions, theft and vandalism.
Underinsured and Underinsured Drivers: If one of your drivers is involved in an accident caused by another underinsured driver, this coverage will help pay for damages and injuries to your vehicle and your driver up to the limits specified in your policy. .
Medical Payments: This insurance covers medical and/or funeral expenses for you, your drivers and passengers after an accident.
Additional Optional Coverage: Depending on the insurance company you work with and the state your business is located in, a wide variety of additional types of coverage may be available. For example, when your employees drive a car or truck that your company does not own.
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If your company car is in the shop, you can also purchase cover for a replacement rental vehicle. You can get towing and roadside assistance. Some insurance companies offer more specific coverage to shipping companies because of the increased risk of liability.
The right business insurance can cover you, your business and any drivers in your commercial cars, vans, pickups or limousines in the event of an accident. One of the most important ways to protect your business is to have adequate liability coverage in case you or one of your employees causes an accident that injures another person or damages their property.
Small business owners and entrepreneurs often unthinkingly use their own cars while at work. However, it is important to know that your personal insurance does not cover commercial use of your vehicle.
It is very common for a small business owner to send an employee to pick up supplies from a local store or to pick up a business consultant from the airport.
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If an employee gets behind the wheel of their own car and the business owner does not have a commercial auto insurance policy that covers the employee and their car, any injuries or damages caused by the accident will not be covered.
Regardless of how much or how little you and your employees use personal vehicles while doing business, the right protection can prevent you from jeopardizing your business.
An independent agent, such as First Choice Insurance Group, can insure your entire business through one office. We can sit down with you and get to know your business and how you and your employees use your commercial vehicles.
We'll ask a variety of questions designed not only to get you an accurate quote, but also to find out what discounts are available to you.
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If you're in the market for commercial auto insurance in Las Vegas, or if you already have coverage and aren't sure if it's comprehensive or competitive, we'll give you an open and honest estimate of your coverage. You can do better.
Our insurance agents work hard to provide clients with the products they need to protect them and avoid coverage gaps. We are proud to offer a wide range of products including the following.
We offer high quality insurance products with flexible options to help our customers get the right insurance for their specific needs. We can work directly with each individual, assess their current situation, then make recommendations and provide the necessary details to ensure nothing is overlooked. Each customer is given all the best options in his opinion.
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Anyone currently looking for an insurance product that fits their lifestyle or needs additional coverage is encouraged to contact our team of experts for more details on our current options. We take the time to get to know each person's unique situation and work closely to ensure they are considering the best coverage.
Not only do we help them choose a policy, but we also provide ongoing support for coverage change requests, renewals and filings. Find out why we are the best choice for people living and working in Las Vegas, NV.
At Red Rock Insurance in Las Vegas, NV, we pride ourselves on being a full-service insurance agency with the best agents in the area. Get the best coverage in the area and exceptional customer support to help give you peace of mind by contacting us today.
If you own a car in Nevada, purchasing auto insurance is mandatory. Failure to comply with auto insurance can result in fines, including driver's license suspension...
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