Business owners may need to drive for business, but do you have the right commercial auto insurance in Banning, CA?
You, as a business owner, know that you need to protect your business any way you can. This is why you already have liability, property, and workers' compensation insurance along with other kinds of insurance policies that fit your unique business. But what about commercial auto insurance in Banning, CA? Most business insurance policies do not cover business-related auto accidents, and your personal auto insurance policy will become void when you drive for business. Do you know the scenarios in which you'd need a commercial auto insurance policy? Here is a driver's guide to commercial auto insurance in Banning, CA.
You need a commercial auto insurance policy if . . .
You drive to meet clients. Maybe driving to meet clients is a routine part of your work week. You may think that your personal auto insurance will cover you if you are in an accident, but that's not the case. Personal auto insurance only covers you for
personal trips: Things like driving to your friend's place, picking up a pizza, driving to a concert or the grocery store. Driving to meet a client is business-related and is why your business needs a commercial auto insurance policy.
Employees running errands. You may think that sending an employee to run your errands is a win-win: your employee gets to leave the office for a while, and you get your errands done without ever leaving your office. But this can quickly go from a win-win to a lose-lose. If your employee gets into an accident, their insurance won't cover them, and it'll likely be your business that is found liable for the accident.
Finding the right
commercial auto insurance in Calimesa, CA can help to keep your Southern California company covered in case of employee fraud. Serving Beaumont, Banning, Calimesa, Redlands, and surrounding areas,
contact the insurance professionals at Little & Sons Insurance Services for all of your commercial insurance needs.
