If you own and operate your own business, your day doesn’t end at 5 p.m. With all that you’ve invested, the security of your business and the safety of your employees can cause stress that lasts well beyond a 40-hour workweek.
With roughly 300,000 car accidents happening in New York each year, use of your business vehicle(s) leaves you exposed to lawsuits that could be financially crippling. However, having a comprehensive commercial auto policy in place can protect you, whether you (or your employees) are involved in a simple “fender bender” or a serious crash. When you work with Shore Line Insurance Agency, Inc., you can rest easy knowing that your commercial insurance package is void of gaps that could leave you exposed and vulnerable.
What kind of coverage do I need?
There are various types of business auto insurance with various levels of protection, including:
- Liability: Protects you against injury caused to others or damage to their property
- Physical damage: Protects your vehicle if it is damaged
- Uninsured motorist: Safeguards you if you are involved in an accident with a driver who doesn’t have liability insurance
- Medical payments: Pays medical expenses for you and the passengers in your car
I use my own car for business purposes; won’t my personal auto coverage protect me?
No. Many small business owners utilize their own vehicle for work, but don’t assume your personal car insurance policy will protect you if you’re in an accident while on company business. If your personal vehicle is used for business at all, consider a business auto policy that will protect in the event of an accident.
Whether you own a fleet of taxis or occasionally use your own car to deliver legal documents, commercial auto insurance is a necessity in ensuring your complete protection. Contact Shore Line Insurance Agency, Inc. today at 631-744-1200 or by filling out the form on this page.