Why Your Business Needs Commercial Auto Insurance from Atlanta Premier Insurance Service

Protecting your commercial vehicles—cars, trucks, vans, or specialized transportation—is essential for business owners. A Business owner's Policy (BOP) won't cover vehicle-related risks, making a separate commercial auto insurance policy from Atlanta Premier Insurance Service a must-have for safeguarding your operations in Tennessee, Ohio, and Pennsylvania.

Whether your business relies on a single vehicle or an entire fleet, commercial auto insurance covers liability, personal injury, medical expenses, and collision damages. This insurance helps ensure your business can continue smoothly, even in an accident. If your employees use their own vehicles for deliveries, sales calls, or other business-related tasks, your company could be liable for any accidents they cause.

Even if you're a sole proprietor using your personal vehicle mainly for business, a commercial auto insurance policy from Atlanta Premier Insurance Service offers higher liability limits than personal auto insurance, giving you additional protection.

The line between personal and commercial vehicle use may seem blurred for small businesses. Employees might use their personal vehicles to visit job sites, transport equipment, or deliver products, but personal auto insurance usually does not cover work operations, with the exception of commuting.

Ownership is the main distinction between business and personal auto insurance. Vehicles owned by the business require commercial auto insurance. Atlanta Premier Insurance Service's commercial auto policies cover mishaps that happen when you or your staff use a company car for work-related reasons. While both personal and commercial policies offer coverage for medical and legal expenses related to accidents, commercial auto insurance generally provides higher limits and wider vehicle coverage and handles complex business-related issues. Most commercial policies also list all licensed employees as insured, so any employee can legally operate the vehicle.

For customized commercial auto insurance that meets your business's needs in Tennessee, Ohio, or Pennsylvania, reach out to Atlanta Premier Insurance Service today.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.