A commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire, and gross vehicle weight of the vehicle. Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance.

    The questions to be considered in a commercial insurance policy involve the amount of coverage needed for realistic liability protection, the appropriate coverage for the vehicles themselves, the number of vehicles insured, the qualifications of the drivers, the radius of operations and the primary use of the vehicles. All of these factors will go into the determination of the price. Generally larger vehicles and vehicles constantly in traffic will generate a higher price. Also, if your employees use their vehicles in the course of your business, it is possible for a legal action to be brought against the employer if they are in an accident. Your business automobile policy can be structured to provide protection from this type of claim.

    Further if you or one of your employees only drive or own business vehicles, there is a serious gap in protection for that person. Coverage from the business policy may need to be tailored to protect the business owner or employee while driving other vehicles.

    Supino Insurance Agency has a competitive commercial automobile insurance carrier. We are able to provide highly discounted automobile insurance pricing based on qualified drivers and good experience. We have the real life experience to advise you of the coverage you need to protect your business.

    If you take pride in the operation of your vehicles and business, please call us for an extremely competitive quotation.