Stop Paying Too Much for Insurance

delivery vanThe freedom to control your own destiny is one of the many reasons people choose to go into business for themselves. They want to follow their passions and make money in the process. If you are one of the many people who have chosen to launch a startup, commercial auto insurance can be a complicated matter that you must get right in order to better your business.

One of the most basic questions many small business owners find confounding is whether they need insurance for their vehicles. The following are a few ways you can determine whether you need commercial auto insurance.

You Use Your Vehicle to Make Deliveries for Your Business

Delivering a package to a customer may seem insignificant when compared to your other business operations. However, deliveries are part of business operations, which means you will have to have commercial auto insurance. Without commercial auto insurance, you may find that you are responsible for liabilities if your insurance company discovers you were using your vehicle for your business.

You Use Your Vehicle to Transport People for Your Business

Many people are becoming independent contractors and transporting people for money. If you are one of these individuals, then you will need commercial auto insurance to ensure that you and your passengers have proper coverage. With commercial auto insurance, you will find that you have more options for protection for you and your passengers. Additionally, business auto insurance gives you larger liability limits, which can help protect your business during a lawsuit.

Employees Drive Your Vehicle

Many small business owners use their personal vehicles for business purposes to save money. With their personal vehicles operating as a business vehicle, it’s common for them to allow employees to drive their vehicles as well. Unfortunately, this practice exposes business owners. If you allow employees to drive your personal vehicle to conduct business transactions on your behalf, then you need commercial auto insurance to cover liabilities you may incur while they are driving.

Commercial auto insurance gives small business owners expanded coverage and extra protections. If you are a small business owner and you think you need commercial auto insurance, don’t hesitate to give your independent insurance agent a call to discuss your options.

We’ve got you covered, wherever business takes you. Call Auto Insurance Discounters at (816) 252-2255 for more information on Kansas City commercial auto insurance.
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