If you own a company that provides vehicles for your employees to utilize while conducting business for you, it is important that you have commercial auto insurance in King County. A personal car insurance policy does not usually supply adequate coverage for the commercial risks that are typically encountered in a company car.Vehicles that are chiefly used for business reasons require commercial auto insurance. This includes businesses that offer vehicle services like taxis or company-owned cars. A business owner has specific needs that are different than that of a private vehicle owner. There is added risk of financial damage involved if there is a crash or collision.
You can protect your business with a commercial policy. Your coverage will be for a more extensive range of categories than personal auto insurance and could feature a greater dollar amount for coverage. There may also be a higher liability limit.
It is wise to prepare in advance before acquiring commercial auto insurance. Evaluate your business and how integral vehicles are to operation. The business owner is often the primary policyholder for the policy. All recognized risks should be covered. Determine whether the autos are rented or owned by the company. Any employee who drives a company vehicle should be covered by the insurance policy.
When deciding on the auto policy for your business, include your business needs and drivers. You must have minimum state coverage but are always able to add more coverage to suit your specific requirements.