California Contractor Commercial Auto Insurance Blog

Personal Or Commercial Car Insurance: Which Is Right For You?

(NAPS)—If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your insurance policy.
You’ll need to consider buying a commercial policy or making sure that your existing personal auto policy covers the vehicle for business use. Whether or not you need a commercial policy depends on how you use your vehicle and what company you have it insured with. Every company has different guidelines and may surcharge for business-use coverage on a personal auto policy.
If you’re not sure whether business use is covered on your personal policy, it’s important to call your insurance company or agent. The Progressive Group of Insurance Companies has put together these four questions you may want to ask:
* How do companies determine commercial use? One definition could include “engaging in transporting goods for compensation or a fee,” which includes pizza or newspaper delivery, catering, door-to-door consulting services, landscaping or snowplowing services, logging business, day care/church van services or farm-to-market delivery. People who do these kinds of work should consider purchasing a commercial vehicle policy.
* Do you need more liability coverage than a personal auto policy provides? Generally, a commercial auto policy offers 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 encountered while conducting business? Commercial auto policies usually offer these coverages, and they’re normally not available with personal auto policies. These include hired and nonowned auto coverage and coverage for towing a trailer for business use.
* Do you need to list any employees as drivers? Commercial auto policies allow you to list anyone that you employ. You don’t have that option with a personal auto policy. In general, you’ll need commercial auto coverage if the vehicle you use is owned by a corporate partnership or driven by employees, or if it’s used to haul tools or equipment weighing more than 500 pounds, make deliveries or heavy enough to require state or federal filings.

Did You Know?
If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your insurance policy. For more information about commercial auto insurance feel free to contact me at 818-924-2054 or email me at kevin@calcommercialauto.com.

Insurance Matters
Finding A Commercial Auto Insurance Company

   (NAPS)—For many business owners, the road to success cannot be driven without company vehicles. They are a key component of the business’ continued operations and are essential to the company’s livelihood.
   And just as you’d never consider going on a job without all the necessary tools of your trade, you should never consider driving your business vehicle without the right insurance coverage. But finding the right commercial auto insurance company can be a tricky proposition. There are lots of companies offering commercial auto coverage, so it’s important that you select one that meets the needs of your business.
   Of all the factors you’ll want to take into account, the company’s experience with commercial auto insurance and claims service will have the biggest impact on you and your business. Here are some questions to ask yourself as you consider different commercial auto insurance companies:
 Do they have experience with your business type? How long has the company offered commercial auto coverages? Do they understand the insurance needs that are unique to your line of work? A carrier with commercial auto expertise ensures that you’ll get the right coverage for your business.
 Do they excel in customer service? You need 24/7 service that is fast, accurate and focused on your bottom line. You also need the convenience of being able to handle your insurance business
on nights and weekends, because you can’t count on having the time to deal with such matters during regular business hours.
 Do they offer flexible, competitive products? Payment options? Insurance rates can vary a great deal from company to company, so you’ll want to compare. You want flexibility in the types of coverages—and also payment options. Monthly bill plans can help small-business owners maintain necessary cash flow.
 Do they have a demonstrated record of claims experience? Keeping vehicle down-time to a minimum is vital to any business. Each minute a vehicle is out of commission affects your bot-tom line. Look for a company that’s known for efficient claims service and fast, fair resolution.

   To learn more about commercial auto insurance or to find an independent agent, visit the Web site at progressiveagent.com.
  
  

Did You Know?
Just as you’d never consider going on a job without the tools of your trade, you should never consider driving your business vehicle without the right insurance cover-age. To learn more about commercial auto insurance or to find an independent agent, visit progressiveagent.com.

Commercial Insurance 101
   (NAPS)—If you own a business, it’s important to match the insurance you carry to the company you keep. Doing so can save you time and money down the road.
   Commercial auto insurance can be especially important, so if you’re not sure what kind of commercial auto coverage you need, you may want to talk with an independent agent who specializes in that particular area. Independent agents work with you to put together a package that provides the protection that’s right for your business.
   “Anyone who owns a business with a commercial automobile needs to have coverage that is appropriate for the industry and the size of the business,” says Brett Stalnaker of The Progressive Group of Insurance Companies. “An independent agent who specializes in commercial auto cover-age can provide business owners with the kind of advice they need to make the right choice.”
   Here are some tips to help you find a commercial auto insurance agent:
   • Get objective advice. There are different types of insurance agents. A captive agent represents only one insurance company. Independent agents represent a number of different insurance companies. Independent agents tend to be more flexible, because they can offer coverage options from various companies, increasing your odds of getting the combination of cover-ages, price and service that fits your business needs.

   • Visit the Web site of a larger insurance company. Web sites such as driveinsurance.com can provide you with coverage option information and a way to find an agent in your neighborhood.
   • Seek referrals. These can come from professional organizations or other contacts such as other business owners. Chances are, other business owners in your industry can recommend an agent that they’ve worked with.
   One size doesn’t fit all when it comes to business-related insurance. A business that you start in the dining room or garage with just one vehicle can grow to the point where several vehicles are added and you move to commercial property. As your business evolves, your protection needs will most likely change, too. Be sure to check in with your agent periodically to reassess your commercial auto policy.
   To learn more or to start your search for a commercial auto agent, visit progressiveagent.com.
  
  

Did You Know?
According to Brett Stalnaker of The Progressive Group of Insurance Companies, businesses with commercial automobiles need the right type of insurance. An independent agent specializing in commercial auto coverage can help. To learn more or to start your search for a commercial auto agent, visit progressiveagent.com.

Many insurance agents write and focus more on personal auto lines insurance and when they quote a commercial auto policy they may not understand the way to properly choose your industry code to get their client the best rates. A contractor can have multiple codes that can apply and one code can end up being 30 percent more than another. I understand this and have made commercial auto insurance for contractors the only line I focus on so I can make sure I am rating the policy in favor of my clients.

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Prices Vary for required insurance! California Contractors are Required to have insurance- don’t pay too much: get a free quote: