Why Get a Commerical Auto Policy?

Great question. OK, let me take a deep breath, and I’ll start listing some of the reasons:

• Under a personal auto policy claims are denied if vehicles are used commercially.
• You have a corporation, partnership, or a limited liability company (llc).
• You need to add an Additional Insured (for business reasons) onto your auto policy.
• Your auto policy doesn’t offer the higher limits of liability that a contract requires.
• The vehicle or trailer that you want to insure doesn’t qualify for coverage elsewhere.
• You have employees that drive your vehicle.
• Peace of mind knowing you that got the right policy.

How Much More is This Than Personal Auto Insurance?

All things being equal, we see that this type of coverage is about 15% more than a regular auto insurance policy (however, often we will see commercial auto insurance rates that are about the same as a regular auto policy). Just like regular auto insurance, there are many factors that go into determining a rate.

The risk of having a claim denied for not having the proper coverage is just not worth the savings. Don’t put your company at risk for an expense that is usually tax-deductible.

Your Time is Valuable, Get an Agent That Understands

Plain and simple, you aren’t making money until your vehicles are on the road moving. BasePoint Insurance Services understands this and work quickly to get you what your business needs (from insurance ID cards to certificates of insurance). We are here to provide you with Service Excellence.