Get the right commercial auto insurance for your business in Astoria, New York.
As a business owner, it’s important to ensure that you’re adequately covered with the right insurance. When it comes to commercial driving endeavors, be sure that you have the right commercial auto insurance. Ensure that you cover all your bases and avoid these common commercial mistakes with auto insurance in Astoria, New York.
Using Your Personal Insurance.
You may think there’s no harm in using your personal insurance when driving for business. However, your personal insurance doesn’t give you enough coverage. In fact, they may not give you any coverage in the event of an accident. When you drive for business, there’s greater liability. You’re responsible for yourself, the company, and its clients. Commercial auto insurance gives you the added liability coverage that you need.
Skimping On Liability Coverage.
Lawsuits can get expensive and can put your business at risk. Ensure that you have more than enough liability coverage to ensure that your livelihood is well protected.
Only Insuring Cars You Own.
In addition to the cars that you own, be sure to insure the cars that you rent and borrow too. If you use a vehicle for your business, whether it’s owned, borrowed, rented, or owned by your employee, it needs commercial coverage. Make sure that you get such coverage through your commercial auto insurance.
Not Ensuring Mobile Equipment.
Commercial insurance isn’t just required for your vans, cars, and trucks. You need it for your mobile equipment such as bulldozers and forklifts. Make sure that you have adequate liability coverage to ensure that you don’t encounter any issues. Certain commercial auto insurance policies will allow you to add on additional coverage for these vehicles.