Commercial Auto Insurance Las Vegas – If you have a business that involves one or more vehicles, whether full-time or part-time, consider purchasing a commercial auto insurance policy.
Not only will it protect your vehicles, but it will also protect your business from lawsuits due to accidents caused by any of your employees. The coverage provided by a commercial auto policy is very similar to personal auto insurance: liability, motor vehicle collision, and comprehensive coverage for injury or property damage to you or one of your drivers while driving a company vehicle. to protect against vandalism, theft and weather claims.
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Many people wonder if they need commercial auto insurance if they have already purchased a personal auto policy. The simple answer is that a personal auto policy will cover claims arising from the use of those vehicles for business purposes.
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The best way to determine what type of commercial auto insurance to purchase is to speak with a licensed agent at our office. We can help you assess your insurance needs and provide quotes from several leading insurers.
Our licensed team is ready to help you get the best business insurance rates. As an independent insurance agent, we can search multiple insurance companies to help you find the right coverage at the right price.
Valley Insurance Group represents the top-rated insurance companies in Nevada. We’ll compare prices and coverage options to find the best policy for your needs. Call 702-476-8900 or click the “Get Quote” button to have an agent start writing an offer.
Compare several insurers at the same time. Quotes take minutes. You choose the prices and environment that suit you best.
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Commercial auto insurance covers your vehicles when they are used for business or personal purposes. A personal car policy does not cover claims when your car is used for business purposes.
This is a great example of when a commercial auto policy is necessary. If you use your car for delivery, you must have a commercial vehicle policy.
Commercial auto insurance covers a variety of claims: theft of your vehicle, injuries to others while operating a commercial vehicle, bodily injuries, property damage, and more.
Commercial auto insurance policies are generally more expensive than personal auto insurance policies, but the cost of your policy varies depending on the coverage you choose, your past driving history, and your needs. Commercial insurance varies by state, with each region having different requirements for each policy. If you are a business owner in Nevada, this means you need to know the different insurance premiums offered by the state before signing up for the type you want. Below are the different business environments that Red Rock Insurance companies can use.
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Companies operating in Las Vegas, Nevada must pay workers’ compensation to protect their employees while on the job. This policy protects part-time and full-time employees by providing coverage for medical expenses in the event of a work-related injury or illness.
Commercial auto insurance is another state requirement for businesses that own company cars. This coverage protects against material and bodily damage in the event of an accident with a company vehicle.
Professional indemnity insurance often covers negligence claims for companies that engage in consultancy activities. Examples include insurance companies, law firms, and accounting professions.
If you need help dealing with general risks such as libel, defamation and damage to customer property, general liability insurance can help. This will cover your legal fees, medical expenses, and property damages if such situations arise.
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This type of coverage combines general liability and property insurance to act as a comprehensive policy for businesses in Las Vegas, Nevada. Covered items include commercial property damage, customer injury, and customer property damage.
Cyber liability insurance protects your business in the event of a cyber attack. This fee covers legal costs incurred as a result of litigation, as well as monitoring and communication costs to clients.
You should review the options discussed to determine if any of them meet your needs. If you need any of the above, call Red Rock Insurance today. Our agents in Nevada can help you find the right commercial equipment for your business needs. As a business owner, your delivery vehicles can be one or more vehicles, such as taxis, limousines, or buses. The right commercial auto insurance will protect you against accidents, injuries and other incidents that could jeopardize this investment.
The Department of Transportation focused on commercial motor vehicle (CMV) crashes and safety-related incidents in 2009. They found the following:
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Commercial auto insurance covers most commercial vehicles, including but not limited to:
Commercial auto policies include personal vehicles used for business purposes as well as vans, cars, buses, limousines, taxis, cars and other vehicles used exclusively for business purposes.
There are several risk factors associated with the use of these vehicles, including how you use them, how often and how many kilometers you drive per year, among other factors. Insurance companies take these risk factors into account when evaluating the value of your company’s insurance coverage, along with all of their efforts to improve driver safety.
If you’re looking for information about insuring large trucks and heavy equipment used for commercial purposes, check out commercial auto insurance.
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Commercial auto insurance is similar to personal auto insurance in providing basic coverage such as liability, comprehensive, collision, and specific types of coverage for commercial vehicle use. A commercial auto policy is designed to protect your business against significant losses that could affect the company’s financial health.
A commercial auto insurance policy covers a number of different coverages – some are mandatory and some are optional. A typical policy includes a combination of the following:
Bodily Injury Liability: This section of a commercial auto policy covers injuries to others caused by an accident caused by you or an employee. Personal injury insurance covers medical expenses, funeral expenses if necessary, and legal expenses. The amount of compensation your company receives depends on your personal injury liability coverage limits and deductibles.
Property Damage Liability: This coverage covers the cost of repairing property damage caused by you or your employee. The amount of coverage you receive depends on your limits and deductibles. It is recommended that you work closely with an independent agent to evaluate your risks, potential costs associated with personal injury, property damage, and legal fees. For better protection, consider purchasing a commercial liability policy.
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Collision: As with your personal auto policies, a good commercial auto policy should include enough collision coverage to cover damage to your vehicles in the event you or your employees cause an accident.
Comprehensive: Also known as “non-collision,” comprehensive coverage is important to protect your vehicle from damage or loss due to causes other than collision. These reasons may include weather conditions, theft, and vandalism.
Underinsured and Underinsured Motorist: If one of your drivers is involved in an accident caused by another underinsured driver, this coverage will help pay for damages and injuries to your car and the driver, up to the policy limits. .
Medical Payments: This coverage covers medical and/or funeral expenses incurred by you, your drivers and passengers after an accident.
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Optional Supplemental Insurance: Depending on the insurance company you work with and the location of your business, there may be many different types of supplemental insurance. For example, you can buy insurance for your employees when they drive a car or a car that is not company-owned.
You can also purchase replacement car insurance if your company car is in the shop. You can avail car and roadside assistance services. Some insurance companies even provide very specific information to loading and unloading companies due to the increased risk of liability.
The right commercial insurance can protect you, your business and all drivers of your commercial vehicles, vans, cars or limousines in the event of an accident. One of the most important ways to protect your business is to have adequate liability insurance in case you or one of your employees injures someone or damages their property.
Small business owners and entrepreneurs often use their own cars when working without thinking twice. However, it’s important to note that your personal insurance may not cover commercial use of your car.
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Whether it’s picking up supplies at the local grocery store or picking up a business consultant at the airport, it’s very common for a small business owner to send an employee.
If an employee is driving their own car and the business owner does not have a commercial auto insurance policy that covers the employee
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