Just like individuals, businesses often utilize vehicles in the course of their daily activities. This can include company cars provided to top employees, delivery vehicles, on-site transport and more. If your company uses vehicles for business purposes, your business insurance portfolio won't be complete without commercial auto insurance to protect those vehicles. Here's a look at what a typical commercial auto policy might include. 

Commercial Auto Insurance Components 

Auto insurance for businesses operates similarly to that for individuals, encompassing the same primary components, including: 

• Bodily Injury Liability - If one of your company vehicles is involved in an accident that injures someone, you'll need bodily injury liability coverage to pay their medical bills and other related expenses so it doesn't impact your company's bottom line. Serious injuries with long-term complications may result in hefty settlements, so it is best to get the maximum coverage you can afford in this area to protect yourself in the event of a lawsuit. 
• Property Damage Liability - This aspect of your policy can be applied to any damage your company vehicle causes to physical property, like another driver's vehicle, a building, road signs or fences. This coverage can save you from having to use your company or personal assets to cover costs. 
• Personal Injury Protection - While bodily injury liability applies to medical bills for other injured drivers or pedestrians, personal injury protection coverage applies to any injuries the driver and any passengers sustain while operating or riding in your company vehicle. 

Coverage for Employee Vehicles 

It is important to note that a typical commercial auto insurance policy will only cover vehicles owned by your company. If your employees use their own vehicles in the course of their duties, you may need to include additional, specialized coverage for this purpose. Employees' personal auto insurance policies may not apply in this area either, so it is important to have the right coverage in place to protect them. 

Get Protection for Your Company Vehicles 

When you are in need of commercial auto insurance in Idaho or Washington, Kuespert Insurance Agency is here to help. We'll answer all of your questions and tailor a policy to meet the unique needs of your business. Get in touch with our team today for a free consultation to discuss your options in greater detail.

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