Trucks and Vehicles Insurance
Whether your business relies on a single auto for local marketing or a fleet of trucks for cross-country deliveries, it’s important to have a commercial auto insurance program that protects your legal and financial interests. Accidents occur every day, often resulting in property damage and injuries. Even if your driver is not at fault, your company could be paralyzed by liability investigations, negotiations, settlements, and ongoing litigation.
A comprehensive Business Trucks and Vehicles Insurance program provides a wide range of coverages. It protects your company from legal and financial complications.
Auto Liability Coverage
When your business vehicle is involved in an accident, your liability insurance company investigates the claim to determine fault. When you are legally liable, they negotiate and settle any bodily injury or property damage claims. When your driver is not at fault, the insurance company pays to defend you.
For a complete auto liability package, you may choose to include:
- Hired Auto Coverage for liability exposures due to accidents in a rented or borrowed car used in your business.
- Uninsured or Underinsured Motorists coverage, a Connecticut required provision that pays for you and your passenger’s non-Workers Compensation injuries due to an accident with a hit-and-run, uninsured, or underinsured driver.
Medical Benefits
When you have an accident, an injured passenger has a legal right to pursue a claim against your company. As Medical Payments coverage pays accident-related, non-Workers Compensation medical expenses for you and your passengers regardless of fault, it may prevent your injured passenger from demanding a settlement or filing a lawsuit.
Damage to Your Auto
When your commercial vehicle is damaged or disabled due to an accident or other unexpected occurrence, it can prevent you from keeping your business commitments. The potential lost income, customers, and profits can affect your financial bottom line for years to come. Physical Damage Coverage pays to have your vehicles repaired or replaced to get you back on the road. To keep you mobile and minimize your losses, you should also consider these optional coverages for your Business Trucks and Vehicles Insurance policy:
- Rental reimbursement pays for a replacement vehicle while yours is disabled.
- Towing pays to transport your disabled vehicle to a repair location.
- Lease gap coverage pays the deficit when the balance due for a lease agreement is greater than the damaged vehicle’s settlement value.
Insurance Professionals Working for You
Our insurance professionals analyze your operations and evaluate your exposures to provide the right Business Trucks and Vehicles Insurance for your company. We search for premium-reducing discounts: GPS-tracking, vehicle alarms, maintenance, deductibles and fleet savings. Then we recommend an insurance program that protects your assets while staying within your budget.
“During the past 30 years Vince has proved to be a reliable source of knowledge and assistance in our efforts to seek the best value for our insurance requirements. His friendly staff provides the utmost in service and never fails to return calls in a prompt manner. I would highly recommend Vince and the T. M. Burgess Staff for your insurance needs.”