There are many businesses where a vehicle of some sort is needed in order to do the job. From hot shotting loads to electricians to lumber delivery options and more in Bossier City, Haughton, Mansfield, LA, Natchitoches, Shreveport, Vivian, LA, and the surrounding areas, these vehicle needs also need to be insured with commercial auto insurance. Don’t make the mistake of thinking your personal auto insurance will cover your business activities, instead call our team at Parnell-Robinson Insurance to review what your business is and what coverage levels you need with your commercial auto insurance. Contact us today to learn more.
Why Have Commercial Auto Insurance
There are many activities that a business engages in where a vehicle is needed. For example, trucks that are used by plumbers, electricians, contractors, and others; deliveries made by furniture companies, florists, and others; foodservice vehicles such as food trucks or catering vans; and a host of other businesses. A personal auto insurance policy just won’t cut it for the proper protection.
Commercial auto insurance policies tend to have higher limits when compared to personal auto insurance. Commercial auto insurance also covers the entire business, which can include multiple drivers and multiple vehicles. Employees with a poor driving record are covered just as those who have a good driving record.
Because of these kinds of differences between the two auto insurance policies, it is important that if you are engaging in an activity that is related to your business, you should have a commercial insurance policy for the business and the vehicle. This is where having a conversation with your independent insurance agent from Parnell-Robinson Insurance can help to clear up any questions you may have.
How Commercial Auto Insurance Rates Are Determined
Like personal auto insurance, commercial auto insurance rates can vary widely from insurance company to insurance company. The kind of vehicle that you have for your business will affect your insurance rates, as will any permanent accessories that you have installed, such as a roof rack for carrying a ladder or other materials. Where you drive your commercial vehicle can also have an effect on your rates, as will the number of miles that you drive each year. If you have a larger vehicle that carries heavier loads, this will cost more than a smaller delivery vehicle that only carries small packages.
With all of the differences between businesses and how they use their commercial vehicles, it is important that you get the right details for your commercial auto insurance so that you are fully covered without getting coverage you don’t need. At Parnell-Robinson Insurance we have helped insure hundreds of businesses in Bossier City, Haughton, Mansfield, LA, Natchitoches, Shreveport, Vivian, LA, and the surrounding areas. Contact us today to put our experience to work for your business.