Whether your company owns a fleet of business vehicles, or your employees occasionally use a personal auto for work, your business should have commercial auto insurance to protect your small business. Why? Your business can be held liable for accident damages, even if it occurs in a personal vehicle used for business purposes.
In general, it is not a good idea to rely on personal auto coverage for commercial business protection. Personal auto policies typically exclude or provide insufficient coverage for commercial business activities, and they simply do not cover vehicles owned by your business.
Just as with personal vehicle insurance, commercial auto insurance provides coverage for liability, collision, comprehensive, uninsured, and underinsured motorists, and medical payments. Coverage options vary depending on the type and purpose of the vehicle. Policies also vary, so you should always speak with insurance professionals to ensure you have the protection you need. Also, check to see if specialized coverage such as lease or loan gaps or physical damage could better protect your business.
Talk to one of our experienced agents at Cole Harrison Insurance in Maine for help selecting the right coverage and policy to keep your company on the road safely and affordably.
83 Main Street
P.O. Box 358
Kennebunk, ME 04043
Phone: 207-985-3361
Fax: 207-985-7977
27 Walker Street
Kittery, ME 03904
Phone: 207-439-5981
Fax: 207-439-5234
1104 Valley Crossing
The Valley Building
Carrabassett Valley , ME 04947
Phone: 207-235-2642
Fax: 207-235-2640
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