Covering Your Liabilities with Commercial Auto Insurance

Being a business owner is a lot like being a professional athlete in a competitive sport. Not only do you need to do that thing you do—and do it well, but you must also pay attention to everything going on around you and look out for potential problems before they occur. This can be an exciting and invigorating way to live, but it can also expose you to many risks that are easily covered if you invest in the right kind of insurance coverage for your company.

Commercial auto insurance is one of the types of insurance policies that can offer your business protection, but it’s often overlooked by business owners who underestimate the amount of risk they face by carrying the wrong kind of car insurance for the business use of their vehicle.

Customer-related Liabilities
If any of your client’s property ever enters your vehicle, then you could be facing some major potential liabilities.  Not only could an accident or theft result in the loss of the client’s property and value, but depending on the nature of the property, that loss could lead to negative impacts on your client’s business or personal life, which would increase your liability. 

And your ‘customer’s property’ doesn’t just mean items that they hand over to you for your care or repair, it can also mean deliverables that your customer paid you for and expected you to deliver by an agreed upon date. This broadens the pool of what you can consider your client’s property and, as a result, increases your potential liability.

Employee Liabilities
If you send an employee out on an errand for your business or have them carrying your customer’s property in their vehicle, and they have an accident during this business-related travel, you are liable for their injuries and damage to their vehicle. If you have commercial auto insurance, then the claim can be put through your auto policy. If not, your business could lose money settling its responsibility.

There is no benefit to not buying the right kind of insurance for your car and business. Commercial auto insurance is an affordable way to protect your business assets and ensure the continuation of your company. Without it, you could lose your business and your livelihood after just one uncovered accident. Contact us today to discuss your options for South Carolina Business Auto Insurance at (864) 269-6860.

How do insurance companies assess drivers’ risk?

When you apply for an auto insurance policy, before the insurance company can issue the policy they must try to foresee how much risk you will be worth if the policy is written. This helps them to manage the claims experience they have, determine whether or not to issue your policy and, if they do issue your policy, decide how much to charge you for it. The process during which they assess your risk is called underwriting.

While underwriting your auto insurance policy for coverage, underwriters will take into account various criteria including your previous driving record. They will obtain a motor vehicle report (MVR) to see how many tickets, accidents and other driving incidents you’ve had, what the tickets have been for, and decide how much influence those actions have on your current driving habits. Some of your past behavior—like speeding—will make you a riskier candidate to insure than others. This is because your past deeds and choices imply something about your personality and habits. Someone who has been cited with several speeding tickets in the past is more likely to have an accident and has also shown a propensity to ignore the legal speeding limit. This shows that the driver might be liable to disregard other driving laws and safe driving practices, therefore making him more likely to have an accident resulting in an insurance claim. Read more on underwriting for auto insurance.


As an independent agency we can offer our clients what direct writers cannot; More Choices and Better Rates.  We combine old fashion values and service with only select companies that provide stable financial stability. Contact or call us today for a free South Carolina auto insurance quote at (888) 269-6860.

South Carolina Auto Insurance

Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

It's really all about protecting yourself financially.

• If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

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Heritage Insurance Agency

As an independent agency we can offer our clients what direct writers cannot; More Choices and Better Rates.  We combine old fashion values and service with only select companies that provide stable financial stability. Contact or call us today for a free South Carolina auto insurance quote at (888) 269-6860.

(Source and Photo: DiscoverSouthCarolina.com)