In auto insurance, the term “total loss” is used when the cost to repair a vehicle exceeds its current market value. When this happens, the …
Why is Commercial Auto Insurance Essential?
At Calidad Insurance, we understand that your vehicles are more than just transportation—they are the backbone of your business operations. Whether you use cars, vans, or trucks for deliveries, services, or employee transportation, having the right commercial auto insurance is crucial for protecting your business against costly accidents and liability claims.
Did you know? Using personal auto insurance for commercial purposes can leave you uncovered in the event of an accident. Many claims are denied if the insurer determines that the vehicle was used for business activities under a personal policy.
What Does Commercial Auto Insurance Cover?
Our commercial auto policies are designed to safeguard both your vehicles and your business. Typical coverage includes:
• Liability Coverage (Bodily Injury and Property Damage): Protects your business if you or your employees cause injury or property damage in an accident.
• Collision Coverage: Pays for damages to your business vehicles caused by a collision, regardless of fault.
• Comprehensive Coverage: Covers non-collision events like theft, vandalism, fire, or natural disasters.
• Medical Payments Coverage: Helps pay for medical expenses for you and your passengers after an accident.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver with insufficient insurance.
• Hired and Non-Owned Auto Coverage (HNOA): Extends protection when employees use personal or rented vehicles for business purposes.
Who Needs Commercial Auto Insurance?
You may need commercial auto coverage if:
• Your business owns or leases vehicles.
• You or employees regularly drive for business purposes.
• You transport goods, tools, or equipment for work.
• Your vehicles display a business logo or carry commercial plates.
Why Choose Calidad Insurance for Your Commercial Auto Policy?
• Local Expertise: We know the insurance requirements in Georgia and South Carolina.
• Tailored Coverage: We’ll help you determine whether you need personal or commercial auto insurance based on your business activities.
• Multiple Carriers: Access to competitive rates from trusted insurance providers.
• Comprehensive Guidance: We explain your options clearly so you can make informed decisions.
