Each year in the United States more than 2 million people are injured or disabled in auto accidents. All of those road crashes end up costing more than $250 billion annually, with an average of $820 per person. With statistics like that, it only makes sense for business owners to make sure they do everything in their power to protect their company vehicles and employees in the event of an auto accident on the road. If your business relies on one or more vehicles to complete your daily operations, a breakdown or auto accident can become a serious setback. With comprehensive commercial auto insurance coverage from Zuma , you can give yourself and your employees peace of mind whenever you use company vehicles.
For the average driver on the road, there are many different risks to be aware of. But for employee drivers using company vehicles, the risk can feel much greater. Because company cars are not owned by employees, their own auto insurance coverage will not cover every potential damage that can be incurred in an accident. That’s why it is so important for business owners to invest in complete commercial auto insurance coverage.
Some of the most common risks that you should be aware of when shopping for the best business auto insurance policy available include:
If one of your employees gets into an accident while on the job and causes damage to another vehicle or injures someone, you could be held liable. Liability coverage will help to ensure against any injuries to others and damage to other vehicles in an auto accident, even if your employee is at fault.
Whether a company vehicle was damaged in a parking lot or in a collision with another car, repairs can be very costly. Even if your employee is not at fault for the damage to your company car, collision coverage can help to pay for repairs and even replace the car if it is found to be a total loss.
If your company car is struck by an uninsured motorist, you may be left to pay for damages and any medical bills out-of-pocket. With uninsured motorist coverage, you can protect your employees and company vehicles if they are ever involved in an accident with a driver who doesn’t have insurance.
Your company car doesn’t even need to be on the road to be at risk for damage! Hail storms can cause plenty of damage to your company cars including large dents, broken glass and more. With comprehensive commercial auto insurance coverage, you can avoid paying for these costly repairs on your own and make sure that your company vehicles always look their best.
At Zuma , we understand that each commercial or business operation is different and that means every commercial auto insurance policy should be different too. Our experienced and knowledgeable team is here to make sure that you have the right coverage to fit your unique business needs. When requesting a quote from one of our friendly agents, be sure to keep these important facts in mind:
Want to learn more about how the team at Zuma can work with you to tailor a policy that fits your unique business needs? Visit us online today to get a free quote and complete a business auto coverage form!