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Using the right tool for a job is key to success in any profession.
Experts say the same principle applies when selecting an auto insurance
policy. Having the right type of policy can help ensure that you,
your employees and your business are all protected in the unfortunate
event that one of your vehicles is involved in an accident.
If you are a business owner and you or your employees use a vehicle
for business-related deliveries or to carry certain materials to
and from a job site, you may need a commercial auto insurance policy
that's tailored to more closely suit the needs and risks of a business
vehicle operator.
Here are some questions that can help you determine if you might
need a commercial auto policy instead of a personal auto policy,
courtesy of GIA Risk Management:
Do you need more liability coverage than your personal
auto policy provides? Generally, a commercial auto policy provides higher limits
of liability, but less or no coverage in areas that are typically
not associated with commercial auto risks.
Do you need special coverage for situations associated
with con-ducting business? Commercial auto policies also usually offer certain coverages such
as hired and non-owned auto coverage and coverage for towing a trailer
for business use that are not available with personal auto policies.
Do you need to list any employees as drivers? You can do this
with a commercial auto insurance policy.
Do you use your vehicle for business purposes? If you use your
vehicle for things like pizza or newspaper delivery, catering, door-to-door
consulting service, landscaping or snowplowing service, logging business,
day care/church retreat van service and/or farm-to-market delivery,
you might need a commercial auto policy.
GIA is an independent insurance agency trained, licensed insurance
professionals who offer personal service and advice. We can help
match you with the type of policy that best suits your needs and
those of your company.
To learn more about all an independent agency offers, visit progressiveagent.com
or give us a call at 1-888-423-3232 ext 100.
Group Insurance Analysts, Inc, and GIA Risk Management, LLC offer the following types of insurance - Health, Life, Auto, Home, Dental, Medicare, Business, Workers Comp, Pet, Disability, Liability and Property, through insurance companies like Progressive Insurance, Safeco, Travelers, Hartford, Anthem, Aetna, Delta Dental, Cigna, Kaiser, Humana, RMHP, UHC, Kaiser Permenente,Blue Cross & Blue Shield of Colorado, Pacific Specialty, United Fire, Pinnacol and many more.
We provide clients insurance needs in Arvada, Denver, Wheat Ridge, Lakewood, Golden, Boulder, Broomfield, Westminster, Brighton, Aurora, Littleton, Englewood, Parker, Northglenn, Thornton, Longmont, Louisville, Lafayette, Superior, Evergreen, Morrison and throughout Colorado.
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