Business & Commercial Insurance - Sparta, KY
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When Do I Need Commercial Auto Insurance
As an individual who drives a car, you know that every vehicle on the road must be insured in accordance with state laws. The same goes for vehicles that are owned, rented or leased by businesses. From making deliveries to making sales calls, any vehicle that is used for business purposes will require commercial auto insurance....
Common Exclusions Within Liability Insurance
When insuring your business, you’ll need general liability insurance as part of your commercial benefits portfolio. A commercial general liability (CGL) plan is very expansive, but you cannot assume that it covers you against all potential liability claims. Exclusions and limits will exist under every policy....
When Does Commercial Auto Collision Insurance Apply
Businesses that own commercial vehicles must have commercial auto insurance. Any loss to these vehicles will therefore be a financial loss to the business. Still, business owners cannot avoid the fact that their vehicles are not immune to damage risks of any sort, not least vehicle wrecks....
Signs You Need Commercial Auto Insurance
Every vehicle needs insurance, but not all auto insurance policies are the same. Your personal vehicle is likely insured with a personal auto insurance policy, but there is another option. Personal auto insurance policies don’t usually cover vehicles that are owned by a business or used for work....
Can An Employee’s Car Become A Commercial Auto?
A commercial auto might not necessarily be a car that is bought and paid for by the company for business use. A commercial auto is any vehicle that is regularly used for business purposes. This means that if you have your employees make deliveries for you, visit clients, or pick up business goods on a regular basis, you are technically using the employees as professional drivers....
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