Commercial Auto Insurance In Kansas City

 

Serving Kansas City, Missouri and Kansas with Commercial Auto & General Liability Insurance

 

   

 

Why Do You Need Commercial Auto Insurance?

 

For most businesses, a vehicle is essential to conduct daily work. With your vehicle you visit your customers, transport tools and equipment or haul a trailer. Not having your vehicle available because of an accident can wreak havoc on a business. From lost time and money to lost clients. Having proper commercial auto insurance makes it easier to do your day-to-day business.

 

Who Needs Commercial Auto Insurance?

 

• If you have any advertising on your vehicle

• If you use your vehicle to deliver or transport people for a fee

• If you have employees that drive your vehicle

• If your vehicle exceeds 1 ton

• If you use your vehicle to visit more than two job sites per day

• If you have a flat-bed truck

 

How Much Insurance Should I Get?

 

Well, that depends. Naturally the more liability insurance you get, your business is better protected. Someone who drives dump trucks for example, should carry higher limits of liability. A larger vehicle can cause more property damage and bodily injury in an accident. You also want to be protected against any potential lawsuits after an accident.

Ultimately it is your decision and what you feel comfortable with, discuss the risks with your insurance agent. Bargain Insurance Connection has the expertise and companies to make sure you are always protected.

 

 

We provide commercial auto insurance for these types of businesses:

 

Landscaping - Snow Plowing - Delivery (food or packages) - Roofers - General Contractors - Plumbers - Painters - Trucking and more...

 

What Does a Commercial Auto Insurance Cover?

 

Bodily Injury:

This part of your policy pays bodily injury to the other party in an accident. It includes medical expenses, loss of income while recovering, legal fees and pain and suffering. In a commercial vehicle policy, these limits can be selected up to $5,000,000.

 

Property Damage:

This part pays for property damage in an accident up to the limits you selected on your policy. Unlike bodily injury, this section only deals with property damage.

 

Collision Coverage:

This part deals with property damage of your vehicle caused by a collision. If you selected this coverage on your policy, your commercial auto is insured against damage regardless who was at fault. Collision coverage comes with a deductible, which is your out of pocket expense to cover damages.

 

Comprehensive Coverage:

This section deals with property damage caused by other than collision. It could be anything from hail damage, windstorm to theft and vandalism. This part also comes with a deductible just like the collision coverage.

 

What is Workers Compensation Insurance?

 

Every employer has the requirement to provide safe work place for it's employees. Sometimes even with the toughest safety measures, accidents can happen. If an employee is injured while at work, the workers compensation insurance takes care of medical bills, any rehab and provides financial assistance to the employee during the recovery process and while the employee is unable to work.  

 

To avoid financial losses to the business, it's best for the employers to have a workers compensation policy in force.

 

To get a quote today, call us at 816.453.7722 or fill out our commercial auto quote form or general liability quote.