You would never go on a road trip around Ohio or take your kids to school without making sure you had auto insurance for your personal vehicle. You care too much about your family not to protect them on the roads. The same is true for your business. If you or your employees drive for business purposes, you need an Ohio Commercial Auto insurance policy.
Most Ohio businesses need a Commercial Auto insurance policy, even though you might not realize it.
Who needs Ohio Commercial Auto Insurance?
- Companies with one or more company vehicles
- Businesses who ask employees to run errands or pick up supplies in their personal vehicle
- Business owners who use their personal vehicle for work
- Contractors who keep equipment in their vehicle, especially with a rack for ladders and other tools and supplies
- Owners or employees who drive to meet clients -- on job sites, in coffee shops, anywhere
- Owners or employees who drive to conferences, meetings, and other business-related events -- in and out of Ohio
Don’t make the mistake of relying on your personal auto insurance or asking an employee to rely on theirs. If you’re in an accident, your claim could be denied if the purpose of the trip was for business and not personal.
What Does an Ohio Commercial Auto Insurance Policy Cover?
Like personal auto insurance, you can pick and choose the coverage you need as well as your policy limit. To give yourself the most peace of mind and your business the best protection, your coverage should include more than basic liability insurance:
- Liability - Bodily Injury and Property Damage
- Medical Payments
- Hired/Non-owned Vehicles
What makes an Ohio Commercial Auto insurance policy different from the one you have for your personal vehicle is the liability coverage. If you or an employee cause an accident on the road, your liability insurance will cover you, including if (when) you’re sued. In the litigious-heavy world we live in, it’s not unusual for someone to realize a company employee hit them and start to see dollar signs. Don’t leave your business financially vulnerable to a big lawsuit. Especially for something as small as stopping by the office supply store for a box of paper. That small trip might not seem like it’s worthy of auto insurance, but when you’re in court being sued, you’ll wish you had it.
Ready to protect your Ohio business, even during the smallest errands? Contact SFM Insurance today and let’s discuss what kind of auto insurance is best for your company.
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Additional Coverage to Consider
Your business could be bankrupted by a single lawsuit, but it doesn’t have to be, and it won’t. Not when you protect your company and yourself with the right liability insurance.
The reality is that it only takes one catastrophic accident and a too-large liability claim to bankrupt your business. That’s where an Ohio Commercial Umbrella policy becomes a lifeline.