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Murphy Insurance2010-02-04 09:00:252024-07-23 16:18:25Massachusetts Drivers Be Aware of New “Move Over Law”Commercial auto insurance can provide protection for any automobile used by your business. It can apply to a single car or an entire fleet of vehicles and protects your company and employees driving company vehicles in the event of an accident. A policy can be adjusted to meet the coverage needs that fit your company and its vehicles.
Protecting Your Business on the Road
Business owners should perform a Department of Motor Vehicles screening when hiring employees who will drive company vehicles or use their own vehicles as part of their jobs. Employees’ driving records can impact your premium, so having employees with good driving records listed on your commercial auto policy will help keep your premium low.
Because commercial auto insurance requirements greatly depend on how vehicles are used in your business and the number of commercial vehicles you own, it is important to discuss your needs with a trusted professional.
To learn more, choose a topic below. To discuss the needs of your business, Contact Us or start the process by requesting a business quote online.
Hired & Non-Owned Vehicle Coverage
Sometimes, business is done using vehicles not owned by your company.
- You send an employee to make a delivery in their car.
- You borrow a truck to pick up equipment.
- You rent a car on a business trip.
- An employee runs to grab lunch for the office.
The frequency of such situations occurring at your business may vary, but chances are they will happen occasionally. To protect your business and you (as a business owner) if an accident occurs and you’re sued, your business needs Hired and Non-Owned Auto Liability coverage. It covers bodily injury and property damage caused by a vehicle you rent, hire, or borrow and caused by vehicles owned by others, such as employee-owned autos. Even if you don’t have a business vehicle, other options exist to obtain this coverage.
You should also have Hired Auto Physical Damage coverage, which protects your business, your employees and you (as business owner) with physical damage protection when you temporarily rent, lease, hire or borrow vehicles in the name of your business for business use.
Without these coverage endorsements, your business is at risk in any of the above or other similar situations where a vehicle not owned by the business is used for business purposes. Getting coverage is relatively simple. We highly recommend you reconsider if you don’t currently have this coverage in your policy. Our professionals can provide you with additional information and discuss your specific needs.
If you’re unsure if you have this coverage, please consult your policy or Contact Us.
Safeguarding your Fleet
Commercial auto insurance can provide protection for any automobile used by your business. It can apply to a single car or an entire fleet of vehicles and protects your company and employees driving company vehicles in the event of an accident. A policy can be adjusted to meet the coverage needs that fit your company and its vehicles.
Business owners should perform a Department of Motor Vehicles screening when hiring employees that will drive company vehicles or use their own vehicles as part of their jobs because the driving records of employees can impact your premium. Having employees with good driving records listed on your commercial auto policy will help keep your premium low.
Because commercial auto insurance requirements greatly depend on how vehicles are used in your business and the number of commercial vehicles you own, it is important to discuss your needs with a trusted professional.
Insurance Companies
At Murphy Insurance, we work with top rated insurance companies and compare options to find the best balance of cost and coverage that meets your needs.
Read Our Commercial Auto Insurance Blog Posts
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Murphy Insurance2010-02-04 09:00:252024-07-23 16:18:25Massachusetts Drivers Be Aware of New “Move Over Law”