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Four Questions To Get The Right Auto Insurance

Using the right tool for a job is key to success in any profession. Experts say the same principle applies when selecting an auto insurance policy. Having the right type of policy can help ensure that you, your employees and your business are all protected in the unfortunate event that one of your vehicles is involved in an accident.

If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs—and risks—of a business vehicle operator.

Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy:

  • Do you need more liability coverage than your personal auto policy provides? Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.
  • Do you need special coverage for situations associated with con-ducting business? Commercial auto policies also usually offer certain coverages—such as hired and non-owned auto coverage and coverage for towing a trailer for business use—that are not available with personal auto policies.
  • Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.
  • Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.

Every business is unique. That is why you need specialized coverage to help you make sure your business is protected. Rather your a welder or a chef, there is a coverage that is right for you. 


Our team can assist you with getting the Commercial General Liability, Workers Compensation, Property, or Business Auto Coverage. 


Due to the specialization that is required, please contact our office to visit with a licensed representative, so we can help you secure the coverage that is right for your business.

Business Insurance

361.394.6164


Disclaimer:
The information contained herein is not intended to constitute an offer to sell or solicit in connection with any product or service by Pavlicek Insurance Agency LLC or any of its affiliates or subsidiaries in any jurisdiction where such an offer or solicitation is not qualified to do so. Products and services referenced herein may not be available in all jurisdictions. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. Coverage cannot be bound or services ordered through this site. To obtain insurance, or to modify your existing coverage, please contact our office. This site may be linked to other sites which are not maintained by Pavlicek Insurance agency LLC.   Pavlicek Insurance Agency LLC is not responsible for the content of those sites. The inclusion of any link to such sites does not imply approval of or endorsement by Pavlicek Insurance Agency LLC of the sites or the content.