Owning a business in Alliance, Austintown, Boardman, Canfield, Poland, Salem, OH, and the surrounding areas, whether large or small, is something to be both respected as well as protected. While not all businesses require a company vehicle, many do, and your personal auto insurance policy just won’t cut it for business purposes. At the Insurance Center of Salem, we will help you to find the right commercial auto insurance that fits the needs of your business. Our decades of combined insurance experience means that you can trust that we won’t steer you wrong with your commercial auto insurance. Because work vehicles typically are transporting goods, equipment, or other people, the coverage limits are usually higher to safeguard business assets, as well as to accommodate all of the employees of a business as drivers. Contact us today to learn more about the differences in commercial auto insurance and review your business needs.
What Makes Commercial Auto Insurance Different
There are a few coverage options that you may find with commercial auto insurance policies that you don’t have with personal auto insurance. Hired and non-owned auto coverage is a provision that provides liability coverage for vehicles that are rented or borrowed for business use. Garage coverage is another option that is often part of a commercial auto insurance policy, especially for service stations and repair shops.
There are other optional coverages for commercial vehicles that you don’t see with personal auto insurance. Cargo coverage deals with the goods transported by the business vehicle, on-hook towing coverage is designed for covering vehicles towed by a business’s tow truck, and other optional coverages.
Don’t Just Take the First Insurance Offering
When you are looking for commercial auto insurance, you don’t want to use a captive insurance agent, as they only represent a single insurance company. Instead, working with an independent insurance agent will provide you with quotes from several different insurance companies, providing you with more information and better rates. Our agents also work for our clients rather than the insurance company, meaning that you get better service, especially when you need it most.
From a bakery or florist to an electrical contractor or locksmith, plenty of different businesses in Alliance, Austintown, Boardman, Canfield, Poland, Salem, OH, and the surrounding areas need to have the right commercial auto insurance as part of their business insurance package. At the Insurance Center of Salem, our experienced and trusted agents will provide you with comprehensive information so you can make the best choice for your commercial auto insurance. Contact us today to learn more about having the right insurance for your needs.