Commercial Auto Insurance
Commercial Auto Insurance
Protect Your Business & Employees
From a small, local business with a single company car to a big corporation with a large commercial fleet, NHC Insurance Services understands that business auto insurance needs are as varied as the California landscape.
Commercial auto insurance – also known as business auto insurance or commercial vehicle insurance – is auto insurance for business vehicles. Designed to protect a combination of vehicle types, this coverage includes drivers, trucks, cars, vans, specialty vehicles and some types of motorized equipment both on and off the roads.
Commercial auto insurance provides protection to business owners and their companies in the case of bodily injury and property damage while operating a company automobile. Similar to a personal auto policy, commercial auto policies consist of:
- Liability coverage – will pay for the damage you cause to another vehicle, property, or person as well as legal fees.
- Physical damage (comprehensive and collision) – will pay for the damage to your vehicle
- Medical payments – the cost of medical payments to you and your passengers, regardless of who was at fault in the accident
- Uninsured/Underinsured motorist – coverage for the damage to your car or your injuries if the person who hit you has no insurance or not enough insurance.
Although [Sunshine] knew about the huge problem regarding our Business Owners Insurance, she stepped right in and sorted things out. Not only did she correct the problem with the current policy period but she also rectified a problem on the prior year’s audit. And in addition was able to stop the cancellation process that was already in motion and to become effective at 12:01am that evening.
She has been a terrific help and never once was even the slightest bit annoyed about any of it. Because of her, I will recommend anyone I know looking for Business Insurance to contact NHC Insurance. You have a real find, and should be proud of her.
Hired/Non-owned Auto Liability
Are your employees driving their own personal vehicles for business? If the answer is yes, here is a friendly reminder: It’s a common assumption that the business’s auto policy will cover that vehicle in case of an accident. However, because this is a personal vehicle and is not owned by the business, this is not the case. A personal policy will be used as the primary insurance and the business auto policy will be the secondary insurance. This means the personal policy will take care of damage to the vehicle itself yet, if your employee is at fault, both the driver and the business can be separately sued. Having this policy will allow these types of lawsuits to be handled on behalf of your business.
Consider This
Here are some scenarios that highlight how hired/non-owned auto liability coverage can protect your business:
Hired auto: Refers to any vehicle rented, leased, hired, or borrowed and used while doing business.
Example: If you were to rent a vehicle for a business trip and unfortunately cause an accident, hired auto insurance can help cover the costs if a lawsuit was to be filed against your business due to the accident.
Jessica M. Ortega has been a beneficial and professional relief in my overwhelming personal endeavors while starting my business. As we all know there are many factors and legal statutes that govern contractors in California. While searching for the best carrier for my communications business, I randomly found Safeco and Jessica.
Jessica has answered all my questions, concerns and requests with professional and quick results. She will handle any and all my business and personal insurance needs. Jessica is well appreciated and respected by all of those in my industry.
We really appreciate the fast and friendly service provided to us by Jessica. We were recently running out of time to keep our insurance policies from lapsing and she was able to assist us within a day of our submitting the necessary paperwork.
Additionally, she had the initiative to solicit us for a quote on a policy that we had with another carrier, which we had not planned on switching, and the result was that we saved $700 on that policy written by NHC. Jessica did a great job for us and we are enthusiastically appreciative of her efforts and service. Thanks for a job well done!
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