BUSINESS AUTOMOBILE
IF YOU OWN A BUSINESS, MORE THAN LIKELY YOU NEED AT LEAST ONE VEHICLE TO MEET THE EVERYDAY NEEDS OF YOUR COMPANY.
WHILE VERY SIMILAR IN NATURE, BUSINESS AUTOMOBILE INSURANCE IS DIFFERENT FROM THE PERSONAL AUTO INSURANCE YOU CARRY ON YOUR OWN CAR. IN FACT, IF YOU ARE USING YOUR PERSONAL VEHICLE FOR COMPANY ACTIVITIES, YOU NEED BUSINESS AUTOMOBILE INSURANCE!
Almost every business needs to transport employees, make deliveries or run company errands. Your organization’s assets could be seriously depleted if you or one of your employees is involved in a significant accident. Don’t put your livelihood at risk – make certain you have sufficient liability auto insurance to protect your company. Trust Bernard Williams & Company to provide you with the guidance you need to determine which policy is best for you. Since 1934, they have been steering businesses to the perfect vehicle to cover their business automobile insurance needs.
Business auto liability insurance covers the financial responsibility if a company staff member or contractor is at fault in an accident and personal injury or property damage results. Most states require a minimum amount of liability insurance (or proof of financial responsibility). Some states may also require underinsured motorist and uninsured motorist coverage to protect you if the other driver is at fault and unable to cover the costs incurred. Call us today to determine the coverage amounts that your organization needs on each of your company vehicles. We can insure one vehicle, or an entire fleet! Fleet insurance is a great option for companies that use multiple vehicles and numerous drivers, and in many cases, is less expensive than insuring each driver and vehicle individually.
Bernard Williams & Company also advises their clients on the proper levels of collision and comprehensive insurance to carry on their vehicles, as well as helping them select the most effective deductibles for each vehicle. These important features protect your company from costly repairs and vehicle replacements when accidents of all kinds happen. Ask your Bernard Williams & Company representative to provide a personalized review of each of your vehicles to ensure the proper level of protection.
Companies should also invest in “non-owned auto” coverage as well. This policy will provide coverage to the business if and when principals or employees use their personal vehicles while acting as a representative for the organization. It will also provide protection whenever the business uses vehicles it does not own. This includes your own car when used for business purposes.
Don’t forget that certain businesses must follow set federal and state regulatory standards in the operations of their vehicles. As an example, if your business will be hauling cargo interstate, there are specific Department of Transportation requirements for insurance that must be fulfilled. The Commercial Lines Department at Bernard Williams & Company has a thorough understanding of those requirements, and can assist you in making sure each one is met.
In addition, remember that medical payments coverage is not included in the standard business automobile insurance policy. Medical payments coverage assigns a limit of insurance per person, per accident. Necessary medical and funeral expenses resulting from accidental bodily injury that are incurred within three years of the accident date are covered. For an insured business, coverage applies to anyone occupying an insured auto or a temporary substitute for an insured auto. This crucial protection for your business is another way in which Bernard Williams & Company can keep you and your employees protected while doing business outside of your office.
We can also find discounts that will save your company money. Alarms, GPS tracking, vehicle safety features and employee safe driving records can save your organization valuable dollars. We can help you maximize savings on your insurance coverage costs by leveraging these and other proactive measures.
When you’re on the road, anything can happen. Take Bernard Williams & Company with you wherever you go, and you know you’re covered!