Commercial Connecticut Car Insurance Companies
Commercial Connecticut car insurance companies provide coverage for vehicles owned by a business.
A company may own cars, trucks, vans, or trailers which are used by owners and or employees for business purposes.
A commercial policy can also be used to cover employees who use their own vehicles for work.
Commercial CT Car Insurance
Company Liability Insurance
Most states require that liability insurance be put in place for commercial vehicles on the road. Liability coverage provides protection against claims for damage to another person's vehicle or property. The liability insurance takes the form of bodily injury liability, which compensates another person for their injuries; and property damage liability, which provides coverage for damage to a vehicle or a stationary object, such as a fence or a mailbox.
Commercial CT Car Insurance
Company Uninsured/Underinsured Coverage
Depending on the state where your business is located, you may also be required to buy uninsured/underinsured insurance coverage. Uninsured motorist coverage is designed to protect you and your business if one of your vehicles is damaged by a driver who doesn't have insurance or by a stolen vehicle.
If you or one of your employees is injured in a car accident by a driver who doesn't have enough insurance to cover the medical expenses, then the underinsured coverage would come into play. This insurance will bridge the gap between the driver's coverage and your policy limits.
Commercial CT Car Insurance
Company Personal Injury Protection
Personal Injury Protection (PIP) will pay for medical expenses incurred due to an auto accident. PIP may also include income replacement benefits, depending on the policy purchased.
This type of insurance may be added to a commercial insurance policy. Keep in mind, though, that the cost of PIP is calculated depending on the number of vehicles to be included in the policy. The more vehicles to be covered, the more the coverage will cost.
Buying Commercial CT Auto Insurance
Consult with your insurance agent to find out whether buying a commercial insurance policy makes sense. If your business is a small one, you may have coverage under your personal auto insurance policy for some business driving.
Once your business grows to the extent that you have dedicated vehicles used for business purposes, then you should be looking at buying a commercial insurance policy. Be prepared to buy a policy with a $1,000,000 limit. This is considered standard business coverage in many states.
If your employees drive their own vehicles for business purposes at least some of the time, then you may need to buy insurance to cover them if they are in an accident for which they are considered at fault. Ask your insurance agent whether a Non-owned Auto Liability Endorsement should be added to your insurance policy. This coverage tops up the employee's personal auto insurance to provide additional protection to your employees and your business.
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Insurance Policies Now!
As a business owner, you have worked hard to turn your dreams into reality. Don't let something as simple as not having the right insurance coverage put your business at risk.
Commercial Connecticut car insurance companies are ready to provide you with a quote for your needs.
It's easy to get started. Just type your zip code into the quote box at the top of this page and begin comparing CT car insurance quotes!