Any time a business endeavor involves driving a vehicle, commercial auto insurance is key. The last thing any business wants to deal with is an employee behind the wheel without any coverage in place, whether it’s a small business with a single vehicle or a full fleet of trucking vehicles.
At Prime Insurance Company, our commercial auto insurance product is set up to cover any commercial auto needs, from trucking to limousines, taxicabs, buses, tow trucks, medical transport vehicles, and more. We offer auto liability, auto physical damage, commercial truck coverage, drive away coverage, and new operators coverage, as well as excess coverage, hired or non-hired auto, motor truck cargo, and terminal operation.
Some forms of commercial auto insurance coverage are required, while others are an optional addition that may make sense for your clients depending on their business and how they use commercial vehicles as part of their work. We will work with each insurance producer and each policyholder to find a custom, comprehensive solution.
Why Invest in Commercial Auto Coverage?
As an insurance producer, you know the value and importance of comprehensive commercial auto coverage, but your clients might not. Many people are mistakenly under the impression that personal auto insurance offers coverage in some commercial situations, or they are relying on fleet insurance when they need cargo coverage, too. While commercial and personal auto insurance both work to provide protection against risk, they work in different ways and cover varying types and levels of risk.
To help your clients understand if they need commercial auto insurance, consider these questions and their answers:
- Is a vehicle being used to transport people or products for payment?
- Is a vehicle being used to deliver a service for payment?
- Is a vehicle titled under a business name?
- Do business employees use a vehicle for work or conduct company business using their own personal vehicles?
These are just a few situations in which commercial auto coverage is likely needed. Commercial auto coverage can be more complex than it looks at first glance, but at Prime Insurance Company, we’re experts in this area and can pass that expertise on to you and onto your clients.
Why Choose Prime Insurance Company for Commercial Auto Insurance?
At Prime Insurance Company, we fully understand that commercial auto coverage cannot be a one size fits all solution, especially in situations where other auto insurance carriers may have turned down a client owing to risk. As with all of our insurance products we focus on flexible, creative approaches married with a deliberate and detailed dedication to risk management. That means that your clients can tailor their commercial auto insurance to their actual business needs while having peace of mind that they are covered adequately. As an insurance producer, you get the benefit of increased business as Prime works with those who have been turned down by other carriers.
Your clients want to know that their insurance will work hard to cover their claims if need be. Because we work hard to offer solid risk management expertise, the chance of a claim needing to be made is already reduced owning to our experienced risk managers and their work in recommending guidelines and strategies to reduce risk through on-site inspections, evaluations of current practices, and research into each situation. We work to limit risk exposure for insureds by looking at factors like the amount of travel for each commercial vehicle, how each vehicle is used and how often, and the efforts the insured is making to address driver and vehicle safety.
That being said, one of the reasons we take risk management so seriously is because we are able to offer coverage to your clients who have been deemed too risky by other carriers.
If a claim is made under our commercial auto coverage your clients can breathe a sigh of relief knowing that our claims team is just as dedicated. Our attorneys and industry experts work together to handle all claims fairly and carefully, providing 24-hour assistance over the phone or online. All claims, large and small, are important to us, and we give close attention to each and every one, ensuring fair claims receive fair payment and inflated claims are disregarded to keep costs reasonable.
For insureds in certain professions, we can expand on this coverage through our other product lines, covering areas like auto repair garages, as well as our garage liability and towing coverage for towing operations and repossession companies. If it has to do with business and vehicles, Prime Insurance Company can help.
Accessing Commercial Auto Coverage through Prime Insurance Company
If you have clients looking for commercial auto coverage, we can help. As with all of our insurance products, we aim to provide coverage quickly and effectively, offering direct service to policyholders once the product is in place.
Fill out an online application to get a quote. The specifics of the quote will depend on factors like how many vehicles will be covered and how they are used, how much travel each vehicle does in a year, how many drivers will be insured along with their ages and driving experience, and any specific training or risk management procedures that your company has in place.
As your trusted resource for insurance of all types, Prime Insurance Company is pleased to talk to you about how we handle commercial auto insurance for your clients. Even if your clients are already set up with an insurance carrier, we can show you why Prime is the best choice for insurance. Contact us for information or answers to any questions at 801-304-5500 or email@example.com.