Business owners who use their vehicles for work in any manner are typically required to purchase some type of Commercial auto insurance in Wichita KS. This is especially important when employees also drive the vehicles and when clients or business equipment are occasionally transported in them. Certain vehicles, regardless of their use, may even need to be covered just because of their weight. Because every company needs to do what they can to keep their costs low, purchasing an adequate amount of coverage without overspending is the challenge.
The average business can be a little unpredictable in regards to how many miles each vehicle will be driven and sometimes even who in the company may be behind the wheel. Those that own a fleet of vehicles have to ensure that each car or truck is covered for numerous employees, as it is not convenient for a busy company to call and add to their policy every single driver.
Because of this, most commercial policies will charge more for their coverage than they will a personal policy. A Commercial auto insurance in Wichita KS, is also usually written to provide higher amounts of liability coverage than a basic policy. Additional equipment, like trailers, that are often used along with the vehicle will also need to be included on most commercial policies. Specialized items that have been added on, like tool boxes, refrigerated cases, or any other item not standard to the vehicle may also need additional coverage.
Commercial auto insurance in Wichita KS, can be confusing to those who are just starting out and wondering if they are even required to have this type of policy. It is important to discuss honestly with an agent how and when each vehicle will be used. If changes occur over time, the policy may need to be adjusted to reflect this. This is the only way to guarantee that the policy is not costing more than it needs to, but also to make certain any future claims will not be denied.
The Andy Woodward Insurance Agency offers numerous business insurance plans that provide all of the coverage a small business will need. This includes umbrella policies, worker’s compensation and commercial auto plans. Anyone uncertain of what they really require should contact them for assistance. Even those business owners already insured should call for a free quote.
