Commercial Auto Insurance

At times, it is necessary to use a vehicle for business purposes and that is where Santa Barbara commercial auto insurance comes in.  Using a vehicle for business purposes can take the form of a designated company vehicle or a personal car that is used for work related errands.

If you are a business owner, it is imperative to have commercial auto insurance to help protect both your company and your employees.  At Brashears Insurance, we understand how difficult insurance terms can be.  To help we have outlined a few basics about commercial auto insurance to get you started:

What is commercial auto insurance?

Commercial auto insurance will be able to cover any vehicle that is used for business purposes. The insurance will cover both property damage as well as liability.  Vehicles used for business can be a company owned vehicle or a personal vehicle that is used for business purposes.

Why do you need auto insurance?

One reason why you need commercial auto insurance is that personal auto insurance will not cover you if you have an accident while driving for work. If your company has any type of vehicle, such as taxis, vans, small trucks or buses, then commercial auto insurance is necessary.  Having the right insurance protects you, your employees, and your company from costs of property damage, injury, and liability claims.

Do I need both commercial auto and personal auto insurance?

Personal auto policies exclude business-related driving whereas commercial auto policies cover both business and personal driving.  At Brashears Insurance, we help you identify which cars the owner of a business would want to insure on their personal auto policy and which would be better covered on their commercial auto policy.

What are the benefits of commercial auto insurance?

This particular insurance is able to cover an extensive list of costs.   These costs can include medical coverage for treatment, hospitalization or funeral costs.  It can also cover property damage and bodily injury.  Further, commercial auto insurance can cover alternative transportation costs and towing and labor costs.  Plus, commercial auto insurance is tax deductible when the vehicle is being used for business or commercial purposes.  The best benefit is that commercial auto insurance is completely customizable allowing your company to cover one or several vehicles with exactly the coverage you need.

Santa Barbara commercial auto insurance made easy

At Brashears Insurance, we like to keep things simple.  We give you the information you need to know in a clear and concise manner.  Brashears Insurance focuses on putting the customer first, and our service and commitment to satisfaction is unmatched.  Our personalized service can help to get you and your company’s commercial vehicle needs covered.

For more information about our company’s mission and the different services we offer, click here.  Our auto insurance page details the type of auto insurance available.

For specific questions, or to see how commercial auto insurance can fit into your company, call our expert insurance associates at 805-564-7645 today.