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Business & Commercial Insurance Information
Commercial Auto Insurance In Kansas City
Serving Kansas City, Missouri and Kansas with Commercial Auto 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.
Do not risk your coverage by using your personal auto insurance for your business. Call us today for a free commercial auto insurance quote at 816.453.7722.
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 For My Business Auto?
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 in Kansas City, Missouri & Kansas business owners:
Landscaping - Snow Plowing - Delivery (food or packages) - Roofers - General Contractors - Plumbers - Painters - Electricians - Trucking and more...
What Does a Commercial Auto Insurance Cover?
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.
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.
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.
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.
We at Bargain Insurance Connection are ready to help you get your business running and provide commercial auto insurance in Kansas City, and for Missouri and Kansas business owners.
To get a quote today, call us at 816.453.7722 or fill out our commercial auto quote form.