If you own a business in the greater Vancouver metro area, you need commercial auto coverage. Naturally, you know you need this coverage for a fleet of vehicles owned by your company. Did you know you also need commercial vehicle insurance for non-owned vehicles driven on company business? Let the experts at Davidson & Associates Insurance help you determine the right commercial car insurance coverage for your business.

Why Every Business Needs a Commercial Auto Policy

Personal auto policies cover motorists driving for personal reasons. However, most personal policies specifically exclude business travel. This includes personal insurance policies on rental vehicles as well as employee-owned vehicles, and it means that if an employee gets in an accident while running company errands, your business can be held liable for injuries and damages. A commercial vehicle insurance policy can protect you and your employees.

Which Commercial Vehicle Policy to Choose

Obviously, taxi and livery services need different vehicle coverage than web design companies. The type and amount of coverage your business needs will depend on a number of factors.

First, does your business own a fleet of vehicles? Businesses that own a fleet of vehicles need owned vehicle coverage. If you have employees who drive for your business but don’t use company automobiles, your business needs a non-owned auto liability policy. In some instances, companies may need both owned and non-owned vehicle coverage to protect all employees.

At Davidson & Associates Insurance, we don’t sell one-size-fits-all insurance policies. Instead, we’ll work with your company to find the ideal commercial auto coverage for your situation. We offer a range of limit and deductible options, and available coverage for Vancouver-based businesses includes

• Collision insurance
• Comprehensive coverage
• Liability coverage
• Uninsured/underinsured motorist coverage
• Coverage for non-owned vehicles
• Coverage for rental vehicles
• Coverage for owned vehicles

You can learn more today by filling out our handy online information form. To speak with an insurance professional, call our office during regular business hours. We look forward to helping you find the right Vancouver commercial auto insurance for your local business.