It’s important for small business owners to understand that personal auto policies do not cover vehicles used for business purposes. Small business owners and the self-employed must buy commercial policies to cover all the risks that arise every day. By having a Commercial Vehicle Insurance Policy in Waukesha Wisconsin, business owners can Visit the website to cover the damages that occur when the unexpected happens. Below are some common misconceptions concerning commercial auto insurance coverage.
Every Insurer Offers 24/7 Service
If a customer assumes that all commercial auto insurers offer round-the-clock service and they can call at any time of the day or night, they may end up sorely disappointed. Many insurers only offer service during normal business hours. Therefore, if one needs to pay the bill, file a claim or add a vehicle, they may have to wait until morning. By planning and paying on time, customers of P & C Insurance Services Inc. can avoid coverage lapses and other surprises.
Bundling Policies is Always Cheaper
It may be convenient to buy all the necessary insurance from a single company, but some customers can save a significant amount by buying different policies from more than one provider. All the customer needs to do is look online and talk to agents to find the best deal.
All Employees are Covered When Driving Company Cars
Most commercial auto insurance policies only extend coverage to named, verified drivers. Commercial insurers can offer coverage to certain employees, or all can be covered. It is best to ensure that any employee driving a company vehicle has a solid driving record, to keep insurance costs low.
A Seasonal Business Can Cancel a Policy to Save Money
Vehicles not used in the off-season aren’t protected if a Commercial Vehicle Insurance Policy in Waukesha Wisconsin is canceled. That means if there is vandalism, theft, storm damage or fire damage to a vehicle, the company cannot make a claim. Therefore, it’s vital for a company to select a comprehensive insurance policy that covers vehicles even during the off-season.
Small business owners face a variety of risks during day-to-day operations, but one of the biggest risks is vehicle damage. By having the right commercial insurance, owners and managers can protect the company while protecting employees at the same time. Visit the website pc-insurance.net for more information.
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