When you need commercial insurance, it’s important to find a provider who can offer the right kind of protection. As a business owner in Massachusetts, it is important that you have the proper insurance coverage for your company. One part of commercial insurance that is often overlooked but necessary for businesses with people driving vehicles is commercial auto insurance.
Charles River Insurance is your go-to insurer for commercial auto insurance in Massachusetts. We offer comprehensive coverage to protect your business from any potential liability arising from accidents involving company vehicles. We specialize in providing tailored coverage for businesses with unique needs to the 700K+ small-business owners across Massachusetts and beyond!
So why do you need commercial auto insurance in MA?
Commercial Auto Insurance can protect the owner's business against accidents and mishaps involving their vehicle. This type of auto insurance is considered riskier than personal auto insurance, which means it needs specific coverages not found in standard personal policies.
Collision coverage provides financial protection for your business auto. It will take care of any damage incurred in an accident, from scratches to broken windows - all on top quality repairs! This coverage is a must for any business that relies on its vehicles.
It can include two types of physical damage coverage for your insured vehicles. The first is collision loss, which covers damage from auto accidents. The second is comprehensive loss, which covers damage from weather, theft, and other non-collision causes.
If you're not sure whether you need it or how much of it you need, ask one of our specialists - they'll be more than happy to help. And, if you already have it, make sure you keep up with your payments! Your business depends on it.
Commercial auto insurance also covers medical expenses caused by injuries sustained while riding with you or other occupants during a collision; as well as damages sustained when another driver fails/uninsured motorist or hit and run driver causes an accident and you are not at fault.
There are two types of liability coverage. Bodily injury coverage, for accident-related injuries to others, when you're at fault, and property damage coverage for accident-related damage to someone else's property, such as a car or house, when you're at fault.
You need commercial auto insurance for vehicles that:
- Are used for business.
- Carry a commercial license plate or tag.
- Are registered for commercial use.
You should also carry commercial auto coverage if you or your employees use vehicles for work-related tasks, such as:
- Driving clients to or from the airport;
- Going on sales visits or meetings;
- Taking packages to a shipper;
- Shopping for office supplies.
There are many overlooked situations that require commercial auto insurance. Take some time to speak to the specialists at Charles River Insurance who can help you identify exposures that you have in your business. Our team will help you get fully covered to protect your business and yourself. We offer customized commercial auto policy options for all types of work vehicles.
Owning a business in Massachusetts comes with many responsibilities, one of which is ensuring you have the right insurance coverage. Commercial auto insurance is an important part of many business plans, and our team can work with you to make sure your exposures are covered. Whether you’re just starting out or you’ve been in business for years, contact us today to discuss your needs and get a free quote. We look forward to hearing from you!
