As a business owner, safeguarding your commercial vehicles—whether cars, trucks, vans, or other types of transportation—is crucial. Your Businessowners Policy (BOP) does not cover vehicle-related risks, so obtaining a separate commercial auto insurance policy from Hecht-Stout Insurance Agency is essential.

Whether you use a single car or an entire fleet, having commercial auto insurance is vital. This coverage protects against liability, personal injury, medical expenses, and collision damages, ensuring your business operations continue smoothly. If your employees drive their vehicles for deliveries, sales calls, or errands related to your business, you could be held accountable for any accidents they might cause.

Even if you are a sole proprietor using your vehicle mainly for business purposes, a commercial policy from Hecht-Stout Insurance Agency typically offers higher liability limits than personal auto insurance.

In small businesses, the distinction between personal and commercial vehicle use can often be unclear. Employees might use their vehicles for business purposes like traveling to job sites, transporting equipment, or delivering products. Coverage for corporate use is typically excluded from a personal auto insurance policy, leaving you unprotected if an accident occurs while driving for work, except for commuting.

The main distinction between personal and commercial auto insurance is the ownership of the car. Your company's vehicles need to be insured by commercial auto insurance.

Commercial auto insurance from Hecht-Stout Insurance Agency in Dunlap covers accidents occurring while you or your employees drive a company vehicle. Both personal and commercial policies cover legal and medical expenses related to accidents. However, commercial auto insurance typically offers higher coverage limits, covers a broader range of vehicles, and addresses more complex legal issues. A commercial policy generally includes all business employees as additional insureds, meaning any licensed employee can operate the car.

For comprehensive commercial auto insurance tailored to your business needs in Dunlap, Illinois, contact Hecht-Stout Insurance Agency today.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.