If you have any number of company vehicles, you need to invest in a commercial auto insurance policy, or fleet insurance policy. As your business continues to grow, you may be adding on more vehicles, which means you will also need to increase your fleet insurance coverage. While you are growing and expanding, make sure to consider these fleet insurance coverage options:
- Physical damage coverage – having more company vehicles means more chances of damage. Make sure to look over your policy to ensure that you have enough coverage against physical damage, including coverage for vandalism, collisions, and falling objects.
- Liability coverage – while you can do background checks and check driving records of all of your drivers, you still do not really know them. Increasing your liability coverage will make sure that your business will not be financially devastated if one of your drivers causes an accident.
- Inland marine coverage – as soon as you put your products into a truck to be delivered, you do not have any control over what happens to them. Investing in enough inland marine coverage will provide protection for all of your products while they are in transit.
- Roadside assistance coverage – even if you stay up to date on all of your vehicle maintenance needs, there is always a chance that one of your vehicles will break down. Paying for towing and labor costs out of your own pocket can cost a lot more than you would expect. Roadside assistance coverage will make sure that your employees have a number to call in case they are ever stranded due to a breakdown.
For all of your business insurance needs throughout Northern California, contact Agers Insurance Services in Oakley, California. We will work with you to ensure that you have the right amount of protection, all at the right price.