Commercial Auto Insurance
Even if your vehicles are not the primary way your business makes money, they could end up becoming the primary way your company loses money.
Business auto insurance in Louisiana is different from personal auto insurance. In many cases, not only are there multiple vehicles to cover, but also the liability from accidents or claims that will extend to your business as a whole.
Making sure your coverage levels for your commercial auto insurance are high enough to protect your business (not to mention you personally) from claims—even those which are unwarranted—can help you avoid a devastating change of luck.
What should my Commercial Auto Insurance policy cover?
Commercial auto insurance can provide coverage for these risks:
- Comprehensive and Collision
- Emergency Roadside Assistance
- Medical Payments
- Loss of earnings
- Uninsured Motor Vehicle
Why do I need such comprehensive coverage?
Business owners are taking notes on how to make a purchase more convenient for customers. Employees of our local businesses often drive to and from clients, or vendors, on daily deliveries, irregular duties, or errands as requested.
While this may help keep sales on the rise, when your employee uses a vehicle for business purposes, their personal auto policy coverage may NO LONGER APPLY in the event of an accident, property damage, or fatality caused by one of your employees.
This is a serious distinction many business owners either don’t know, or try not to think about. But it is a fact that can cost you your entire business in a single moment.
What to expect from Ozark Insurance Agency
A commercial auto policy, also known as business auto, is purchased and set in place to protect the business assets and the owner if a claim were to arise during business related travel. At Ozark Insurance Agency you’ll speak with a licensed agent whose main goal is to help you find a policy that fits your particular business needs.
Whether the driving of the vehicle is for the occasional run, a possible new venture, or a daily necessity, Ozark Insurance Agency is here to make sure coverage is applicable and make sure coverage is applicable and answer any questions you may have.
The only question you really need to answer:
Can you afford to expose your income, your personal property, and your employees to this high level of risk? If the answer is “no” then Ozark Insurance Agency can help.
The Ozark Insurance Agency Difference
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for …
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
Request a quote now and let the Licensed Agents at Ozark Insurance Agency answer your questions as you work towards choosing the Business Auto policy that best suits your needs.