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Four questions to get the right auto insurance

Posted by on Jul 11, 2012 in Blog | 1 comment

Call Now: 732-237-9500

Using the right tool for a job is key to success in any profession. Experts say the same principle applies when selecting an auto insurance policy. Having the right type of policy can help ensure that you, your employees and your business are all protected in the unfortunate event that one of your vehicles is involved in an accident.

If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs—and risks—of a business vehicle operator.

Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy, courtesy of :

• Do you need more liability coverage than your personal auto policy provides? Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.

• Do you need special coverage for situations associated with con-ducting business? Commercial auto policies also usually offer certain coverages—such as hired and non-owned auto coverage and coverage for towing a trailer for business use—that are not available with personal auto policies.
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• Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.

• Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.

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Full Circle  is an independent insurance agency – with trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your personal auto insurance needs.

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One Response to “Four questions to get the right auto insurance”

  1. lynn costa says:

    I have been a customer of FC for about 5 years. I am so pleased with everything from the rates to the ANNUAL premium to the way I’m treated on the telephone to my claim response…. Also,who gives out after hours cell phone numbers? That is just “caring” for your friends, and I say friends cause that how your treated, like I a friend not a client, or a file. No these people, this Agency is the “REAL DEAL”. Thanks FC