Picture this: You run a small but mighty landscaping business, Green Thumb Gurus, in beautiful sunny Wenatchee. You and your team zip around town, trimming hedges and mowing lawns from Eastmont Community Park to the Cashmere Pioneer Museum. Now, do you need commercial auto insurance for your small business? Simply put, yes!
Here’s why. If you’re using your pickup truck for business purposes, your regular auto insurance might not cover you if you get into an accident while hauling a load of mulch to a client’s yard. That’s right – your insurance could say, “Not my problem!” faster than a teenager ditching household chores. A commercial auto or business endorsement will save you headaches in the future.
We never want to give an insurance company an excuse not to cover a claim. When you are doing business on a personal policy they you are one step closer for them to do just that.
Commercial auto insurance is the brave big brother where personal auto insurance fears to walk. It covers vehicles owned by your business, whether it’s a shiny new pickup truck or that old grey panel van with the dented door you’ve lovingly nicknamed “The Battleship.” If it’s used for business, it needs commercial coverage.
Let’s say you’re driving through Leavenworth after a successful day of planting tulips, and you get rear-ended by a wine tourist bus. Without commercial auto insurance, you’d be on the hook for repairs and medical bills. Ouch!
Not convinced? Picture this: One of your employees, Greg, uses his own car to deliver a bigfoot chainsaw carving (because who doesn’t love bigfoot in Washington state?). If Greg gets into an accident, your business could be held liable. Commercial auto insurance can cover those costs, saving your business from financial ruin.
So, whether you’re delivering flowers, catering weddings, or running errands, if it’s business-related, get commercial auto insurance. It’s a small price to pay for peace of mind, and it’ll keep your business running smoothly, from the woods of Lake Wenatchee to the hills of the Okanogan Highlands.
Topics: Progressive, Commercial Auto, company car, collision coverage, collision coverage, delivery, Wenatchee Insurance, Chelan County, Grant County, Douglas County, Okanogan,
