If your small business owns, leases, or rents any vehicles, you need Commercial Auto Insurance. If you are looking for the right Commercial Auto Insurance policy for
your New Jersey company, contacting Blue Lion Insurance Advisors, LLC at (732) 649-1600 or online is a smart move.
For many years, our company has had a well-earned reputation for integrity, outstanding customer service, and providing our clients with high-quality insurance policies. Because we are not affiliated with any particular insurance provider, we are able to offer you a broad range of Business Auto Insurance policies from numerous companies and always make your satisfaction our top priority.
Advantages of Commercial Auto Insurance
While Commercial Auto Insurance typically costs more than Personal Auto Insurance, it offers a number of advantages to small businesses, whether they have a single delivery car or van, or several specialized vehicles. Among these advantages are:
- Superior coverage for all company vehicles
- Coverage for multiple drivers
- Coverage for several types of cars, trucks, vans & other vehicles (e.g. dump trucks)
- Inclusive coverage, even for employees with poor driving records
- Coverage of vehicles used to transport goods or equipment.
Business Auto Insurance covers both liability and physical damage for all company vehicles. The reason commercial vehicles require a separate policy is that they are typically exposed to more risks than personal vehicles.
For example, commercial vehicles often cover more miles, travel longer distances, spend large amounts of time in heavy stop-and-go traffic or double-parked, and may be driven on more difficult terrain than personal vehicles. Business vehicles are also most often used by various drivers, some of whom may be inexperienced or unfamiliar with the type of vehicle they are asked to drive.
Don’t make the mistake of thinking that because you don’t own a fleet, or use a tractor or food or utility truck, you don’t require Commercial Auto Insurance. Even if you use a single business car to run errands, transport clients, or carry merchandise or tools, your company needs the protection of Commercial Auto Insurance.
What Commercial Auto Insurance Covers
As long as a vehicle is owned, leased, or rented by your company, your business will be held liable for any property damage or personal injury it causes in accidents and for any legal expenses it incurs. For this reason, it’s essential to have proper insurance coverage for:
- Bodily injury to cover medical and other costs related to an accident for which you or your driver are found to be at fault
- Medical payments for personal injury coverage to cover medical expenses of the driver and passengers in your vehicle regardless of fault
- Property damage liability coverage if your business vehicle accidentally damages another party’s property
- Legal fees for your defense in a lawsuit after an accident
- Comprehensive physical damage coverage to pay for damage to your vehicle from weather, theft, vandalism, flood, and fire
- Collision coverage to pay for damage to your vehicle if it hits or is hit by another object
- Uninsured motorist coverage to pay for injuries to you or your driver and property damage caused by an uninsured or hit-and-run driver
How Our Insurance Advisors Can Help
We offer free consultations to discuss the Business Auto Insurance needs of your company, as well as your business’s other insurance needs. You will find us knowledgeable and friendly — no high-pressure tactics here. Once we assist you in finding the policy best suited to your business, we will stand by you if and when you have to make a claim.
Contact Our Experienced Commercial Auto Insurance Advisors Today
The time to make sure your business vehicles are protected by the right Commercial Auto Insurance policy is now. Contact Blue Lion Insurance Advisors, LLC to see to it that the Commercial Auto Insurance policy you choose is Blue Lion Strong™.