Our team at Pietila Family Agency has extensive experience in the insurance industry, and we offer a wide range of policies to help you protect your business. For example, if you use vehicles as part of your operation, we can help you get the right commercial auto insurance to protect these assets. In this article, we will focus on fleet insurance, going over a few things to consider in order to determine if you need this type of coverage.
- Number of Vehicles – One factor that determines whether you need fleet insurance is the number of vehicles you use in your business operations. If you only use your personal truck to get to various job sites, then you do not need fleet insurance, but instead commercial auto insurance for just that one vehicle. However, if your business uses two or more company vehicles in its operations, then you do need fleet insurance.
- Types of Trips – The other key factor that determines whether you need fleet insurance is the nature of the trips taken in the vehicles in question. If you or your team members drive vehicles as part of your business operations—for example, if they need to make deliveries, transport people, or get to various job sites—then you most likely need fleet insurance. If you only use your vehicle to get to and from work, on the other hand, you do not need fleet insurance, as commuting is considered to be a separate category from your standard job duties.
Our team would be happy to consult with you and help you determine what kind of commercial auto insurance policy would be best for your needs. Contact us now to get started!