Small Business Insurance
Auto Insurance For Small Business
Most small business operations fall under the category of general business. Progressive understands that each business is unique. A dry cleaner, for example, is quite different than a consignment shop, even though they both deal with clothing. However, most small businesses have the same basic needs, especially when it comes to small business auto insurance.
Special Small Business Auto Insurance
If your company has a vehicle, then your commercial insurance for your small business should include auto insurance. Of course, your policy needs will vary depending on the use of your vehicle.
If your commercial van is often on-site at customer-owned locations, whether it's to deliver a pressed shirt or to tutor a student, you need to have Liability insurance. Buying excess liability insurance for your vehicles used for these types of purposes will protect your business. With the right small business auto insurance, you'll have peace of mind knowing that if your parking brake ever slips and your car rolls into the side of a customer's house, you'll have enough coverage to pay the damages.
It’s also a good idea for companies that transport people with commercial vans, such as a hotel or airport shuttle services to add additional Liability insurance (higher limits) to their small business insurance. Since Liability coverage protects against personal injury, in addition to damaged property, you'll want to purchase enough Liability as part of your small business auto insurance to help pay the medical bills that might be incurred in an accident. For small business owners like you, these higher limits offer peace of mind by adding extra Liability coverage will protect you at the time you need it most.
If you haul or tow any kind of trailer, you'll love our automatic Single Deductible Endorsement. If your truck, car or commercial van and trailer are both damaged in an accident, you only have to pay one deductible instead of several. Choosing Single Deductible Endorsement as part of your commercial small business insurance is an easy way to save time, hassle and money.
If you're self-employed, you may want to consider adding extra Medical Payments coverage into your small business auto insurance because it can help defray the high cost of medical bills incurred as a result of an unfortunate accident.
The above commercial van and commercial auto insurance coverages are vital to your business. Visit the Small Business insurance section for a complete list of insurance coverages you'll need.
Other Commercial Insurance For Small Businesses
Progressive offers insurance for small business of all types, ranging from landscaping insurance to owner operator insurance and more. And when you choose Progressive Commercial insurance for small business, you’ll not only get the coverage you need, you’ll also get our superior claims service. Find out more about why you should choose Progressive for your small business insurance needs.