Business Auto & General Liability
Business Auto Coverage
A Business Auto policy includes liability, collision and comprehensive coverage to meet your business needs. Whether you are retail, wholesale delivery, contractor or service industry vehicles, we can customize a policy to meet your specific needs. As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal, such as liability, collision and comprehensive, medical payments, uninsured motorists, etc. In fact, many companies use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. If you are using your car for business activities — transporting supplies or products or visiting customers, you need to make certain that your automobile insurance will protect you from accidents that may occur while you’re on business. If you have a personal umbrella liability policy, there’s generally exclusion for business-related liability. We can assist you with having sufficient auto liability coverage.
Business Liability also known as General Liability protection covers your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided. This coverage is also found in a Business Owners Policy which can include other valuable coverages tailored to the needs of your specific business operation.
Note: The business general liability does NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance.
8680 49TH Street N.
Pinellas Park, FL 33782
Phone: (727) 547-1777