What coverages does my business vehicle need? For many companies, their vehicles are a crucial element in carrying out their productive activities. This includes contractors, painters, cleaning services, gardeners and landscapers, air conditioning technicians, and home healthcare nurses.
If your company provides any of these services, it is essential that the vehicles used in your business are protected by commercial insurance that covers any damage or injury caused by you or your workers. For this purpose, it is advisable for the vehicle to have liability insurance that covers personal injuries or damages to third-party property. It should also have collision coverage to compensate for damages caused by another vehicle to one of your company’s vehicles, comprehensive coverage that covers damages to your vehicle resulting from vandalism, theft, tree falls, or hail. Additionally, it is recommended to have medical expense coverage, which is used in case of accident-related injuries, and coverage that protects you from uninsured or underinsured vehicles.
These are general coverages, but each business should strive to have specific policies tailored to their activities. For example, if the vehicle is indispensable, it is recommended to have rental reimbursement coverage that can pay for a replacement vehicle rental while the company’s car is being repaired after an accident.
If you are concerned about the price of commercial vehicle insurance, it depends on factors such as the type of car, the number of miles driven per day, the nature of the business, and the driving history of the person operating it.
It is important to note that if a privately insured car is used for commercial purposes and gets into an accident, the insurer may reject any claims.
Don’t forget that at Univista Insurance, you can find the cheapest commercial insurance in Florida. What coverages does my business vehicle need?
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