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Posts Tagged ‘small business auto insurance’

Distracted Driving On Company Business

Sunday, September 4th, 2011

Labor Day is celebrated tomorrow and many people will be returning home from the 3 day weekend.  As it approaches, I am reminded the number one cause of fatalities in the workplace comes from automobile accidents.  The majority of those accidents have been determined as being caused by distracted driving.  Some states have passed laws regarding texting while driving.  A few states have actually made it illegal to use cell phones or other electronics while driving.  However, these are not the only cause contributing to an accident.  Other causes are eating, drinking, grooming, using GPS devices, checking email and surfing the internet.

 

Public and private companies often have employees drive upon their behalf.  Each should be aware if their insurance policy not only covers the business while an employee is driving but should implement a distracted policy of their own.  Educating and following up with employees is essential to risk management.  Distracted driving has always been an exposure, but with new technology it is greater than ever.  If you have questions about your insurance coverage, please talk with your agent or one of ours.

 

Commercial Insurance.Net, LLC Advisor is not an attorney, accountant or certified financial planner and makes no representations or warranties to that effect.  Always check with your chosen professional as to statements made in this blog for your particular situation.

Business Auto Insurance

Saturday, July 9th, 2011

Do you have a business vehicle insured under your personal auto policy?

 

That may be ok, but there are some things you and your insurance agent should know.  First of all, is the vehicle titled to you or to your business?  Is your business a sole proprietorship, or other entity?  What type of vehicle?  In other words, is it a private passenger vehicle, or a van used in deliveries for you business as well as driving your children to baseball games?  Is it a sedan or SUV used for your family but also in your real estate business even part time?

These are all questions your insurance agent should know in helping you determine whether the Personal Auto Policy with business use will work for you, or perhaps a Commercial Auto program is best. 

The goal of any insurance agent is to provide the best protection of family assets and business financial assets.  Please talk with your agent or one of ours.  We will be happy to provide information and aid in helping you make the best decision in protecting your financial assets.

 

Commercial Insurance.Net, LLC Advisor is not an attorney, accountant or certified financial planner and makes no representations or warranties to that effect.  Always check with your chosen professional as to statements made in this blog for your particular situation.