You’ve taken steps to cover your business, your customers and your employees with the proper insurance – but what about the vehicles? If you haven’t yet considered getting commercial auto insurance for your NJ business, here are a few reasons you might need to do so.
You have a fleet of cars for your business.
Maybe your business involves making deliveries of food or other goods to people around your area. Maybe you have sales people visiting clients on a regular basis. Whenever you have your employees driving vehicles that belong to your business, you need to make sure those vehicles are covered by commercial auto insurance. Not having adequate coverage could set your business back when you need to pay for costly repairs or to completely replace a part of your fleet. Also keep in mind that if your business involves hauling any expensive or heavy equipment, you may need even more coverage.
Your customers drive expensive cars.
It’s no secret that drivers in NJ tend to take pride in their cars. They drive the best cars and keep them in good shape. So what would happen to your business’ bottom line if one of your customers’ cars is damaged while on your property? Not being able to take care of that customer means you may no longer get that person’s business. That’s not to mention the costs involved with replacing or repairing that expensive vehicle. If you have a parking lot or garage on your property, you’ll likely need supplemental insurance that covers your customers’ property when they’re on site.
You have valet service at your business.
If you run a restaurant, club or other service business, then there’s a good chance you have your own valets who help to park cars for your customers. Accidents and fender benders are common in parking garages and in the tight spaces you may have for parking at your NJ business, making commercial auto insurance an absolute necessity. Even if your valets have their own personal insurance, it’s typically not enough to cover customers’ expensive property should it get damaged.
If you’re still confused about whether you need or want commercial auto insurance, talk to an insurance agent who can help you sort out what you need and how much it’s going to cost. Visit the site Website Domain for more information.