• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us CALL US TODAY | 844.7FUSION
Home
English/Español
  • Home
  • Get A Quote
    • Automobile
    • Commercial Auto Insurance
    • General Liability Insurance
    • Homeowners
    • Workers Compensation
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • Our Locations
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
General Liability Insurance GENERAL LIABILITY

Browse a variety of insurance options in order to find the right one for you.

Read More
Workers Comp Insurance WORKERS COMP

Learn about different workers comp coverages that fit your needs.

Read More
Commercial Auto Insurance COMMERCIAL AUTO

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Home > Blog > The Necessity of Commercial Auto Insurance for Contractors
THURSDAY, MAY 9, 2024

The Necessity of Commercial Auto Insurance for Contractors

Contractors, from plumbers to electricians, usually run mobile businesses. After all, they generally have to visit other properties to be able to render the necessary services. So, when you are traveling for business, you need the appropriate motor vehicle insurance. Usually, commercial auto insurance is the best, if not the only solution for all contractors. Consider how this coverage can help you.

What’s Commercial Auto Insurance? cars parked on parking lot during daytime

A business auto policy covers vehicles owned or used by businesses in the course of their duties. It works a lot like any other car insurance policy, because it helps vehicle owners pay for vehicle repairs, lawsuit settlements and other costs when wrecks or other accidents occur.

The way commercial auto insurance differs from a private policy is because it accounts for the fact that a business owns the vehicle, or that employee drivers operate on its behalf. The policy usually includes expanded coverage limits to account for the fact that a business could face significant costs in case a vehicle accident occurs. It has coverage limits that are designed to make it better than personal auto policies at covering such risks. Most commercial policies will not cover business vehicles for this reason.

Why do I need it?

If you are a contractor, and you have to drive from work site to work site, day in and day out, then you probably need a commercial auto insurance policy. Suppose that you have a wreck while driving between a property under construction, and your main office:

  • If the wreck was your fault, then your auto liability insurance can pay for the property damage or injuries you caused to other drivers. It can even help the business settle lawsuit costs in case those parties sue the business.
  • Damage to a business vehicle is a financial loss. If your policy includes collision insurance, the policy might help you pay for the repairs.
  • When another driver is at-fault for the wreck, they might not have enough liability insurance themselves to cover your own losses. When your policy covers uninsured/underinsured motorist protection, then it can pay for your vehicle’s damage instead.

Coverage exists because it helps the business cover numerous costly losses without having to dig into its own pockets. It can even include roadside assistance coverage to help business owners when their vehicles run out of gas, have flat tires, or experience costly inconveniences. All in all, it can include numerous perks to help your contracting vehicles in good shape and on the road, with a minimum of cost inconvenience.

Posted 2:29 PM

Tags: commercial auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022

  • insurance(15)
  • coverage(15)
  • policy(8)
  • homeowners(6)
  • auto insurance(6)
  • commercial(5)
  • home insurance(4)
  • business insurance(4)
  • liability(3)
  • accident(3)
  • workers compensation insurance(3)
  • business(3)
  • general liability insurance(3)
  • car(3)
  • auto(3)
  • general(2)
  • commercial auto insurance(2)
  • winter driving(1)
  • workers compensation(1)
  • vehicle(1)
  • owners(1)
  • weather preparation(1)
  • clinic(1)
  • sports(1)
  • valuables(1)
  • slip and fall risk(1)
  • recreational(1)
  • bop(1)
  • cyber(1)
  • jewelry(1)
  • workers’ compensation insurance(1)
  • motorcycle insurance(1)
  • life insurance(1)
  • rv(1)
  • workers(1)
  • compensation(1)

View Mobile Version
Facebook
LinkedIn
Google+
Yelp
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Twitter Logo

Resources

Home About Us Get a Quote Customer Service Newsletter Contact Us

Contact Us

  • 151 S 18th St, Ste E
  • Kansas City, KS 66102
  • Office: 913.204.0404
  • Fax: 913.871.8865
  • 5920 Wilson Rd
  • Kansas City, MO 64123
  • Office: 816.470.9050
  • Fax: 816.470.9042
  • 7553 State Ave
  • Kansas City, KS 66112
  • Office: 913.725.0515
  • Fax: 913.725.0518
  • 123 N Parker St, 
  • Olathe, KS 66061
  • Office: 913.297.7500
  • Fax: 913.954.4186

 

 

 

© Copyright. All rights reserved.
Powered by Insurance Website Builder