Review Business Auto Insurance Rates among Several Carriers. Make sure you aren't paying too much. Get a Commercial auto quote today. You can Find the Best Rate. Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business purposes such as cars, trucks and vans.
All Risk Insurance Solution, Inc. brokers can get the best quote out there because we represent you.
There are a couple of ways in which you can get insurance.
You can get it from a sales representative (aka. exclusive agent) or an independent insurance agent.
A sales representative or exclusive agent is a person who sells products on behalf of a company.
When you call the orange insurance company, their sales representative will help you find a plan that only the orange insurance company sells.
When you call the blue insurance company, their sales representative will help you find a plan that only the blue insurance company sells.
Insurance carrier plan sales representatives are required to meet quotas and may only represent one carrier.
The sales representative may enroll you with their plan, but generally you will speak to customer service if you need assistance.
You may never talk to the sales representative again once they have completed their job, which is to get you enrolled in “their plan.”
When you call Jim and Bonnie Grant, an independent agent who works for you, we will help find you a plan that’s best suited FOR YOU.
We are here to service you all year, every year, not just when we meet to sign you up.
We have no financial bias toward any one company.
As long as your benefits and costs are what you need them to be, we will both be happy!
Jim and Bonnie Grant
Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business purposes such as towing trucks, delivery trucks, delivery vans, medical vehicles, 18-wheeler and any vehicle used in your business.
Commercial Auto Insurance insures your vehicles that are owned by the business for physical damage and liability coverages for amounts and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial auto insurance, truck insurance, or fleet insurance. Many of Nevada’s 283,000 small businesses need commercial auto insurance to protect against accidents and other mishaps that involve their business vehicles. A personal auto policy won’t cover most vehicles used for work because they’re exposed to more risk than personal autos.
Vehicles driven by employees or used for business activities, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto insurance usually doesn’t cover vehicles used for work purposes.
Food trucks and other food service businesses like restaurants and meat or ice cream vendors depend on their commercial vehicles. Most food trucks have expensive equipment attached to them that a commercial auto policy can cover.
Contractors need commercial auto coverage for things like transporting various tools and supplies and traveling between job sites. These are business-related activities that need the additional protection of a commercial policy.
Any vehicle used to transport people for a fee must be insured by a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing vehicles might require commercial coverage.
We offer protection whether you own a wrecker, rollback or roadside repair vehicle.
You can add specialty tow coverages like On-hook and Garagekeepers Legal Liability to protect you when a customer’s vehicle is in your possession at auto-service repair shops.
When weighing the need for inland marine insurance, consider the nature of your business and operations. Inland marine insurance isn’t just for companies that ship products to retailers and customers. For example, if you have a valuable tradeshow booth that is frequently shipped around the country and stored offsite by a vendor, you may want the protection provided by inland marine insurance. In addition, if someone else’s property is temporarily in your possession, inland marine insurance can provide coverage against the loss of this property. Special inland marine coverages include:
A selection of insurances, called generally “Statute and Title Errors and Omissions” is recommended for auto dealers as they face certain risks not present to other businesses. These products provide coverage for economic damages not based on bodily injury, personal or advertising injury, or property damage. Simply put, they cover economic damages for negligent violations of truth in lending laws, odometer statutes and lemon laws.
Everyone should read their policies carefully. In the case of statutory title E&O coverage, the typical form covers liability for an “act, error or omission” as a defined term. The term is usually defined to cover only negligent acts, not intentional ones. Moreover, coverage would not be provided for liability assumed under contract.
Get a quote for your business by calling Jim or Bonnie at (702) 541-0882!
Safety discounts are applied if you take good care of your property. Is your landscaping taken care of? Is the paint not peeling? Do you have special features that keep your property safe? Items such as a monitored burglar alarm, sprinklers in the ceiling, video surveillance or high quality roof work well to drive insurance rates down.
If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.
Are you a Member of a Restaurant Association, Builder Association, etc. Some Insurance companies specialize in a specific sector. Let them know your affiliations.
When you insure your General Liability, your Worker's Compensation, your Commercial Auto policy together, these policies can receive a bundling discount.
All Risk Insurance Solutions Inc is Trusted Choice Recommended.
The Business Owner Policy contains extensive declaration pages that permit the insured to select from a series of coverage types and vehicles that are to be insured. A set of symbols is provided, and coverage is afforded only for those listed symbols. The symbols define coverage as follows:
Symbol 1--Any auto. When this symbol is used, no others are needed.
Symbol 2--Owned autos only. This covers autos owned by the insured and liability arising out of trailers of others while attached to owned autos.
Symbol 3--Owned private passenger auto only.
Symbol 4--Owned autos other than private passenger autos, and liability coverage for trailers of others while attached to such vehicles.
Symbol 5--Owned autos subject to no-fault benefits in the state where they are licensed or principally garaged.
Symbol 6--Owned autos subject to a compulsory uninsured motorist law in the state where they are licensed or principally garaged.
Symbol 7--Specified autos only.
Symbol 8--Hired auto only. This excludes autos borrowed or leased from the insured’s employees or members of their households.
Symbol 9--Non-owned autos only.
Symbol 19--Mobile Equipment Subject To Compulsory or Financial Responsibility or Other Motor Vehicle Insurance Law Only
The coverages and the types of vehicles insured are triggered by the symbols, and all vehicles of a similar type are covered automatically until the end of the policy period without having to notify the company.
When symbol 7 (Specified Autos Only) is entered, a newly acquired vehicle is covered only when: the new vehicle is replacing a specified vehicle; the company insures all the vehicles owned by the insured; and the company is notified within 30 days of the purchase. Protection is limited to the coverages that apply to all insured vehicles.
A car rental agency is a company that rents automobiles for short periods of time, generally ranging from a few hours to a few weeks. The two biggest companies in the car sharing space are Hyrecar and Turo. In short, carsharing is very similar to Airbnb (sharing spare rooms or homes/apartments), in the sense that car owners allow their personal vehicles to be shared with other drivers for a rental fee.
Unlike traditional car-rental services, Turo or Hyrecar does not own or maintain any cars.
People who wish to rent their cars can register their cars online to be rented by other Turo members. The car owner states when and where the car will be available. A Turo member who wants to rent a car reserves a specific time slot for the car online.
Business owners can earn more when they get their own insurance. Ten cars is the minimum. Ask us about Turo or HyrecarRental Car Insurance.
Hyrecar will help you rent cars to drive with Uber, Lyft, and food/package delivery that best fit your needs. Available for daily, weekly or monthly rentals. Call (702) 541-0882 for insurance information. See Rideshare Insurance to know what kind of insurance you need to be a Rideshare Driver.
Commercial auto is quite different than Commercial Trucking. Primary liability truck insurance and general liability truck insurance are the basic requirements needed to drive and follow the rules set by the Federal Motor Carrier Safety Administration (FMCSA).
Nearly every company with a commercial motor vehicle (powered units of more than 10,001 lbs Gross Vehicle Weight (GVW) or combined powered units and trailers of more than 10,001 lbs Gross Combined Weight (GCW)) that crosses state lines must have the MCS-90 Endorsement added to its commercial vehicle insurance policy.
Commercial auto coverage is often needed by occupations such as:
In any profession, here are some ways to get your commercial auto or trucking policy premium lower:
Protecting your trucking business or yourself as a for-hire trucker means insuring yourself properly. Whether you need primary truck insurance or need to add general liability, insurance doesn’t have to be an extraordinary expenditure — and adding it to your business costs could help you survive the financial burden of an accident or disaster.
(702) 541-0882 Call for An Business Auto Insurance Quote Today!