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We will provide customized commercial auto insurance plans to safeguard your vehicle and drivers
Insureyourcompany provides New Jersey commercial auto insurance plans that provide protection for vehicles and drivers of your small business. We have experience with all different small businesses and we can help you choose the best coverage to insure your business vehicles.
Insureyourcompany works with most major insurance companies that offer auto insurance nationwide. Why is that important? Our access to the top auto insurance companies and our commitment to understanding your business gives us the ability to recommend the best, most appropriate business auto insurance coverage at reasonable prices. We specialize in commercial auto insurance policies for technology companies, retailers, and other small businesses.
Get Your Custom Quote
We make buying commercial auto insurance easy and transparent. Our business auto insurance quotes explains in detail the coverage we will provide for your entire fleet of vehicles. Know what questions to ask to choose the right commercial vehicle insurance. New Jersey drivers may have specific questions depending on the county they do business out of.
There are many different types of business auto insurance and your agent or broker can help you choose the right one. The discussion should include business-use autos, pickups, vans, and trucks. You may also want to include a conversation about: (i) “non-owned” vehicles if your employees use their own vehicles to run errands; and (ii) rented vehicles if your employees rent cars when traveling.
Commercial auto insurance offers extensive coverage for various risks that businesses encounter when using vehicles for commercial purposes. Covered by commercial auto insurance includes the following.
Would you ever drive your personal automobile without auto insurance? Vehicles used for your business are most likely not covered in your personal auto insurance policy. It is just as important to protect your company vehicles as it is your own car or truck. To make matters worse, you could be charged with misrepresentation if you have insured a vehicle you use for commercial purposes under your personal auto insurance policy.
Commercial property insurance aims to protect a company’s assets from various risks and events. Usually, the coverage includes the structure of the building (either owned or rented) and items like tools, machinery, furniture, stock, and other people’s personal belongings. It provides protection from fire, theft, burglary, lightning, wind, and various other natural disasters. This insurance type is necessary in protecting a company’s physical assets and maintaining operations in the case of substantial property damage.
Small businesses need commercial property insurance to handle financial risks related to physical asset damage. Lacking this coverage, a business would need to cover the expenses for repairs or replacements by themselves, leading to potential financial harm. Moreover, business interruption coverage is commonly included in commercial property insurance to reimburse lost income when the business is unable to operate due to property damage. This guarantees that a company can meet financial responsibilities even if operations are temporarily stopped.
Commercial property insurance can help reduce risks for businesses with physical locations. This refers to companies that either own or rent the buildings where they operate. The cost of this insurance is influenced by the business’s location, building materials (fire-resistant materials may lower costs), occupancy level (high-risk occupancies like restaurants often cost more), and safety features like smoke detectors and burglar alarms, which can decrease premiums. Moreover, businesses situated in flood-prone areas may need to purchase additional flood insurance to protect against particular water-related losses.
We believe in supporting our clients through every step of the insurance process. From choosing the right coverage to filing a claim, we are here to offer guidance and support. Request a free quote today and get coverage that meets your unique needs.
