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Rochelle Park | 201.843.4618

New Milford | 201.297.1600

Commercial Auto Insurance

Commercial Auto Insurance Policies

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Commercial auto insurance is designed to protect vehicles used by businesses. Common policyholders include fast food workers, courier drivers, mobile business owners and other people who use company cars. This policy is made to protect the many daily risks that professionals face on the road. They are covered for any damages and medical bills that can ruin their financial savings and general wellbeing. All commercial vehicles should be covered against these accidents that could happen at any moment.

Commercial vehicles include cars, truck and trailers that business people use to transport people or materials. A commercial policy is made to protect the financial interests of a company. Without this protection, a small business could crumble because of the financial demands made by a car accident victim. Also, the employees are protected because if they cause accidents, they do not have to pay out of pocket. The monthly coverage costs are affordable for owners of all businesses.

The types of coverage vary for commercial vehicle insurance. The most basic type is liability protection that is required in many states. It provides liability in case you cause injury or damage to another driver. If you get into a collision, you can receive coverage for the repairs. Uninsured driver coverage is only recommended for businesses that employ uninsured drivers. Other forms of auto coverage include comprehensive, roadside assistance, medical bills and lost wages, which drivers use to protect all of their mishaps.

To determine the premium amount, insurance agents consider a wide range of factors about the commercial driver. They review the safety of the business activities, the average number of vehicle users and the safety of their driving habits. The coverage amount varies significantly based on the type of business.

When you are working many hours and driving all over town, you never know when an accident could happen. Every commercial driver needs protection against the many risks that exist on the road and highway. Every company needs commercial insurance in order to handle expensive claims and preserve long-term assets. There is no clear limit to the amount of damages that drivers could face if they get into accidents. Fortunately, there are commercial auto insurance options made for all car-oriented businesses and their employees.

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