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From customer deliveries to sales meetings, from transporting inventory to shipping merchandise, many small businesses rely on commercial vehicles to move people and goods from place to place. With customers demanding fast response times, same-day delivery, and onsite client meetings, vans, box trucks, and passenger cars are vital tools to getting the job done.

When you depend on commercial vehicles to run your business, you cannot afford to be without protection from the risks that come with hitting the road every day. Consider these common scenarios:

  • One of your workers who is driving one of your vehicles hits someone crossing the street. The person is injured and needs medical care.
  • An employee is making a delivery to a residential area and backs into someone’s mailbox.
  • The driver of your van hits another vehicle in traffic and causes significant damage.

In each of these scenarios, a claim can be made against your company and your small business could incur substantial expenses as a result.

Why Your Small Business Needs Commercial Auto Insurance

If your company operates its own fleet of vehicles, you need protection that is tailor-made to your particular business. While some personal car insurance policies may cover some vehicles, those used mainly for business should be covered under a separate commercial vehicle insurance policy.

This is true even if you have a Business Owner’s Policy (BOP). BOPs do not cover vehicles used for business purposes, so you will need a separate commercial auto insurance policy.

Value One offers comprehensive vehicle coverage including liability protection, property loss coverage, and even medical care in the event a traffic incident results in injuries. We can help you insure all your company vehicles and define specific levels of coverage for each, if you desire.

Get a quote for commercial auto insurance for your small business.

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Commercial Auto

From customer deliveries to sales meetings, from transporting inventory to shipping merchandise, many small businesses rely on commercial vehicles to move people and goods from place to place. With customers demanding fast response times, same-day delivery, and onsite client meetings, vans, box trucks, and passenger cars are vital tools to getting the job done.

When you depend on commercial vehicles to run your business, you cannot afford to be without protection from the risks that come with hitting the road every day. Consider these common scenarios:

  • One of your workers who is driving one of your vehicles hits someone crossing the street. The person is injured and needs medical care.
  • An employee is making a delivery to a residential area and backs into someone’s mailbox.
  • The driver of your van hits another vehicle in traffic and causes significant damage.

In each of these scenarios, a claim can be made against your company and your small business could incur substantial expenses as a result.

Why Your Small Business Needs Commercial Auto Insurance

If your company operates its own fleet of vehicles, you need protection that is tailor-made to your particular business. While some personal car insurance policies may cover some vehicles, those used mainly for business should be covered under a separate commercial vehicle insurance policy.

This is true even if you have a Business Owner’s Policy (BOP). BOPs do not cover vehicles used for business purposes, so you will need a separate commercial auto insurance policy.

Value One offers comprehensive vehicle coverage including liability protection, property loss coverage, and even medical care in the event a traffic incident results in injuries. We can help you insure all your company vehicles and define specific levels of coverage for each, if you desire.

Get a quote for commercial auto insurance for your small business.

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When you partner with Value One, you gain access to exceptional customer service and knowledgeable advisors who are dedicated to you.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance covers the financial costs associated with any accidents or liability claims related to operating your fleet. This is the case whether you own or lease the vehicles you use to operate your small business.

When one of your company’s vehicles is involved in an accident, your company is affected on several levels. Deliveries can’t be made, workers may be out due to injuries, and vehicles need to be towed and repaired. You may need to rent additional vehicles temporarily or replace them altogether.

Additionally, other parties involved in the accident may attempt to hold your company liable for any physical injuries, damage to their vehicles, and medical expenses resulting from the accident. Each of these issues can take a financial toll on your small business.

With commercial auto insurance, you can rest assured that your company vehicles are covered and that your business is protected against claims. Should a claim arise, you can be confident that Value One will respond quickly to your company’s needs.

Commercial auto insurance covers all of the vehicles used by your company to conduct business.

This includes:

  • Vans
  • Trucks
  • Cars
  • SUVs
  • Shuttles
  • Buses
  • RVs
  • Golf Carts
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Which Types of Small Businesses Should Consider Commercial Auto Insurance?

Every small business is different and has unique requirements. Value One can create a customized commercial auto insurance plan that meets the needs of your specific business at an affordable price.

There are several commercial auto insurance plans available through Value One that will protect your small business from liability claims. Our comprehensive coverage options include bodily injury, property damage, personal injury, uninsured or underinsured motorist, and collision coverage. These coverages shield you from financial losses that result from accidents involving your drivers, other drivers, passengers, and pedestrians.

You should consider commercial auto insurance if your small business fits within any of the following industries or business types:

  • Retail Stores
  • Professional Service Providers (Consultants, Lawyers, Accountants)
  • Food Service (Caterers, Restaurants)
  • Hospitality (hotels, motels, lodges, bed & breakfast)
  • Contractors
  • Manufacturers
  • Real Estate Firms

You already have a lot to think about as a small business owner. Give yourself the peace of mind that comes with knowing your commercial vehicles are covered.

Contact Value One and request a commercial auto insurance quote for your small business.

Call us at 855-248-5050 or complete the form below to take the next step toward your business goals.
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