Pennsylvania Commercial Auto Insurance
Just about every business has some exposure to a loss arising from the use of an automobile. If you own a business that has vehicles titled in the business name your need for a Commercial Auto Insurance policy is clear. However getting a policy that has been specifically designed to meet the needs of your exposures is much more of a challenge than you may realize. The commercial auto policy has more options and customization abilities than just about any other Commercial Insurance policy. So getting proper coverage requires the skill and knowledge of a professional insurance agent to build a policy that meets your needs. Even small business clients that don't own or use commercial vehicles still have an auto liability exposure.
Commercial Vehicle Insurance in Pennsylvania is different than personal vehicle insurance and making the assumption that the policies workers anyway may well leave you with uninsured losses. One of the major differences between the commercial auto policy and personal auto policy involves the loading and unloading of the vehicle. The commercial auto policy is designed to integrate with a business's General Liability Insurance, and will include coverage for loading and unloading of a vehicle. The personal auto policy does not cover this, nor does the commercial general liability policy. So when you or an employee of yours is taking a ladder off of the truck and accidentally hit a child that was watching you could be liable for the injuries to the child. If that truck was insured on a personal auto policy the personal auto policy would not cover this type of loss.
You need to make sure that your coverage levels for your Commercial Auto Insurance are high enough to protect your business and you personally from liability claims--even unwarranted ones--that can be devastating. But it may be just as important to make sure that you have the proper coverage in place to get you back on the road again quickly so you don't loose money!
Worried About Costs?
While commercial auto coverage is typically somewhat more expensive than a personal Car Insurance policy, the difference in cost often is minor. Some of the items that can make this policy more expensive than a personal auto policy are: the distance the vehicle is driven daily, the size of the vehicle, the frequency of stops, the types of goods being carried, driving records of the operators, and so on. So, if you are a contractor that drives your pickup to the job site and the vehicle sits most of they day then your costs won't be much different than your personal auto policy. But if you own a van and you are on the road all day stopping and making deliveries, then your insurance costs will be significantly more.
Commercial Vehicle Insurance Can Cover All Of The Following Risks:
- Comprehensive and Collision
- Emergency Roadside Assistance
- Medical Payments
- Loss of earnings
- Uninsured Motor Vehicle
- Customized equipment added to the vehicle
- Temporary vehicle replacement
Pennsylvania Commercial Vehicle Insurance is available to any business owner who owns vehicles used for a commercial purpose. Coverage protects owners against damage and liability claims.
Here are two reasons to get started right away!
- It's always great to understand and review your current coverage levels -- there may be an opportunity to reduce your costs and expand your coverage. The Insurance Professionals at Definitive Insurance Solutions will summarize and simplify coverage issues so you will understand your coverage.
- It's easy to get a no-risk quote. Simply fill out this short form and we'll get back to you within a day to finalize your information and give you pricing.