Business Auto Insurance: Why You Need It and What It Covers
Running a business often involves vehicles—whether it’s transporting goods, making client visits, or handling deliveries. Business auto insurance is a critical safeguard for any business that relies on vehicles to operate. Here’s why you should have it, what it covers, and how BIS Improved Insurance Agency can help.
Why You Need Business Auto Insurance
If your business owns or uses vehicles, personal auto insurance policies won’t provide sufficient coverage. Business auto insurance is specifically designed to protect businesses against risks associated with the use of vehicles for work. Without proper coverage, you could face substantial financial and legal consequences in the event of an accident or other mishap.
What Business Auto Insurance Covers
Business auto insurance provides a range of coverages to protect your company and its assets:
Liability Coverage
Covers bodily injury and property damage caused by an accident involving a business vehicle.
Helps pay for legal defense costs if your business is sued.
Physical Damage Coverage
Includes collision coverage for damages to your vehicle from an accident.
Comprehensive coverage for non-collision-related incidents such as theft, vandalism, or natural disasters.
Uninsured/Underinsured Motorist Coverage
Protects your business if an at-fault driver has little or no insurance.
Medical Payments or Personal Injury Protection (PIP)
Covers medical expenses for the driver and passengers after an accident.
Hired and Non-Owned Auto Coverage
Extends coverage to rented or employee-owned vehicles used for business purposes.
Customizable Options
Add-ons like roadside assistance, rental reimbursement, and coverage for specialized equipment can be included to fit your business needs.
Why Choose BIS Improved Insurance Agency
At BIS Improved Insurance Agency, we specialize in providing tailored business auto insurance solutions in New Jersey (including North NJ, Roxbury, and Randolph), New York, and Pennsylvania. With over 30 years of experience in the insurance industry, we understand the unique risks businesses face and are dedicated to finding the best coverage for your needs.
Our team works diligently to:
Identify the right policy for your business.
Provide competitive quotes.
Ensure compliance with state and local requirements.
Contact Us Today
Protect your business with comprehensive auto insurance from BIS Improved Insurance Agency. Call us today to get a personalized quote and learn how we can help safeguard your business vehicles.
Contact Information: Call us today for a commercial auto quote at 973-683-1000.
Send us an email to get a quote today at info@bisrm.com
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