Businesses that own company vehicles usually ask about auto insurance, but there are many firms that have automobile liability risks they don't even know they have. Cliff Insurance Agency offers multiple different types of commercial auto insurance coverages—collision, comprehensive, liability, and uninsured or underinsured motorist insurance.
Did you know that you can have business auto insurance risks even if you don't own any company cars or trucks? That's right. No matter what kind of vehicle your employees use on business for you—their own auto, a company vehicle, or a rented car—if they are responsible for an accident while on business, your company could be held liable for resulting injuries or damage. A business auto liability policy for owned and non-owned vehicles is needed to protect your company in these instances.
A business auto policy can cover physical damage from collisions, but adding comprehensive coverage will help if your vehicle is damaged by something other than a collision—for example, a falling tree limb or road debris that hits your auto.
Keep in mind that not everyone on the road is as responsible as you. Some carry too little liability insurance or none at all. That means, if they hit you, there might not be enough or any insurance to pay for the damage or injuries they cause. An uninsured motorist insurance or underinsured motorists insurance policy will fill that gap.
There are many other benefits you can choose in a commercial auto insurance policy, including medical payments coverage, coverage for customizations made to your business vehicles, and more. Talk to a Cliff Insurance advisor to discover all your options.
For more than five decades, Cliff Insurance Agency has been dedicated to serving Wisconsin businesses with the best in insurance products and advice. We'd like an opportunity to show you how we can help serve you. Please give us a call at 1-800-270-5101 to discuss your business insurance needs. Or, if you prefer email us or complete and return the form above.