Being a Snohomish County business owner comes with loads of responsibilities that you likely never considered before the startup of your company. For instance, if you offer delivery or transportation options for customers, you’ll need to invest in commercial auto insurance for the safety of both your employees and your business. And we at American Insure-All® are well-prepared to help accommodate you!
Commercial auto insurance is akin to classic car insurance for everyday drivers, but the former has a business component. Which means every employee that drives for your company will have coverage under your policy. Ergo, every employee’s previous driving records will factor into the expense of business auto insurance, and you can add drivers through the duration of your policy.
What Does Commercial Auto Insurance Cover?
Like everyday auto insurance, commercial auto insurance offers coverage for theft and vandalism, as well as damage from accidents and inclement weather. If you or your employee are tagged as a cause for an accident with another vehicle, your business auto insurance will either partially or fully accommodate expenses for the restitution of the other driver. However, with fault in accidents comes an increase in monthly payments for your business auto insurance – just like with traditional vehicle insurance for everyday drivers.
Hurt in an Accident While Behind the Wheel on a Job? You are Covered!
Insurance isn’t a guarantee that you won’t get into an accident, but rather financial protection in the event of an accident. If the worst happens and you or an employee is hurt in an accident, business auto insurance offers coverage for medical expenses, such as immediate hospital care, emergency surgeries and procedures, and follow-up doctor visits.
When you want to invest in commercial auto insurance, you’re doing the right thing – the smart thing – for your Snohomish County business. For more information and to discuss your options, call American Insure-All® at (888) 411-2886.