Coverages For Business Autos

Coverage For Business Autos

Many businesses are exposed to the financial consequences of their ownership, use or maintenance of vehicles used in their operations. Most coverage needs can be handled by a business auto policy (BAP) or similar form which cover operations such as:

· Product or food delivery

· Transporting business products to wholesalers or retailers

· Retail product delivery to consumers

· Carrying persons for short, intermediate or long distance routes

· Picking up customer items for cleaning, repair, storage, etc.

Coverage is flexible. It may be purchased as a separate policy or as part of a package of coverage that can also protect buildings and business property (equipment, furniture, etc.). A BAP generally offers:

Liability Coverage–protection for physical injury to other persons or their property because of an accident related to your covered vehicle, including legal defense cost or expense.
Comprehensive Coverage–handles loss from any cause except collision. A limited, less expensive option is available. It only protects against a set of specific causes such as fire, lightening, explosion, vandalism and several others
Collision–takes care of damage from crashes with another object or overturn of the vehicle
Towing And Labor Costs–handles expenses for moving disabled vehicles
Loss of Use/Rental Vehicle Coverage–if you damage a rental car, this option helps to reimburse the rental company for income it loses because the vehicle is out of use. Also, there may be limited coverage for injury or damage that you cause to others while using a rented vehicle anywhere in the world.
Typically, a business auto (or similar form) bars coverage for the following:
· any injury/damage that you expected or intended

· responsibility for damage you assume under a contract

· losses that should be handled by a Workers Compensation, Disability Benefits or Unemployment Compensation Law

· Bodily Injury to an employee caused by a Fellow Employee

· Damage to property that is in your Care, Custody and Control

· Any bodily injury or property damage that occurs because of Pollution

· Any loss that is related to racing, demolition or stunts

Are you protected against business auto losses? Drive over and discuss your situation with an insurance professional. The trip will be worth it.

COPYRIGHT: Insurance Publishing Plus, Inc. 2014

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Visit us at to request a Commercial Auto Quote



About FuscoInsuranceAgency

Independent Insurance Broker - Personal & Business Insurance, Life, Health, Retirement, Benefits, Bonds Gold & Silver Bullion & Coins Advisor / Sales President of Fusco Insurance Agency, Inc. Providing Solutions For Your Insurance & Retirement Needs! Licensed in NY NJ CT PA MD NC SC TX & FL E Mail: Toll Free: (866) 983-8726 Fax (866) 299 - 7990
This entry was posted in Air Conditioning Contractors, Alarm Installers, Albany County, New York, Alleging County, New York, Atlantic City, New Jersey, Atlantic County, New Jersey, Auto Insurance, Automobile Insurance, Avon, New Jersey, Barnaget, Bayonne, New Jersey, Belmar, Bergen County, New Jersey, Black Car Drivers & Owners, Box Truck Insurance, Bridgewater, NJ, Brielle, New Jersey, Brooklyn, New York, Broome County, New York, Burlington County, New Jersey, Business Auto Insurance, Business Insurance, Camden County, New Jersey, Camden, NJ, Cape May County, New Jersey, Cape May New Jersey, Carpenters, Cattaraugus County, New York, Cayuga County, New York, Chautauqua County, New York, Chemung County, New York, Chenango County, New York, Cherry Hill, New Jersey, Clean Out Services, Clinton County, New York, Columbia County, New York, Commercial Auto Insurance, Commercial Truck Insurance, Company Vans, Contracting Risks, Cortland County, New York, Cumberland County, New Jersey, Delaware County, New York, Delivery Firms, Delivery Vans, Distributors, Dump Truck Insurance, Dutchess County, Dutchess County, New York, Edison, NJ, Electricians, Erie County, New York, Essex County, New Jersey, Essex County, New York, Exterminators, Florists, Food Delivery, Food Routes, Food Service Insurance, Framers, Franklin County, New York, Fulton County, New York, General Contractors, Genesee a County, New York, Gloucester County, New Jersey, Greene County, New York, H.V.A.C. Contractors, Handyman, Hauling, Herkimer County, New York, Hoboken, New Jersey, Hudson County, New Jersey, Hunterdon County, New Jersey, Independent Contractors, Insurance Quote Request, Jackson, NJ, Jefferson County, New York, Jersey City, New Jersey, Jersey Shore, Kings County, New York, Lansdcapers, Lewis County, New York, Limousine Drivers, Linden, New Jersey, Linden, NJ, Livingston County, New York, Long Beach Island, New Jersey, Long Island City, New York, Long Island, New York, Madison County, New York, Manhattan, New York, Masonry, Mercer County, New Jersey, Middlesex County, New Jersey, Mobile Truck Food Vendors, Monmouth County, New Jersey, Monroe County, New York, Montgomery County, New York, Morris County, New Jersey, Moving Firms, N.J. Contractors, N.Y. Contractors, Nassau County, New York, New Jersey, New York, New York County, New York, Niagara County, New York, Ocean City, New Jersey, Ocean County, New Jersey, Old Bridge, NJ, Oneida County, New York, Onondanga County, New York, Ontario County, New York, Oswego a County, New York, Oswego County, New York, Painters, Pickup Truck Insurance, Plumbers, Pool Installers, Putnam County, New York, Queens County, New York, Remediation Specialists, Rensselaer County, New York, Richmond County, New York, Rockland County, New York, Sandy Hook, Saratoga County, New York, Schenectady County, New York, Schoharie County, New York, Schuyler County, New York, Seacaucus, New Jersey, Seaside, NJ, Self Employed, Seneca County, New York, Sheetrockers, Small Business, Somerset County, New Jersey, Sound Technicians, St. Lawrence County, New York, Staten Island, Steuben County, New York, Sub Contractors, Suffolk County, New York, Sullivan County, New York, Sussex County, New Jersey, Tioga County, New York, Tioga County, Pennsylvania, Tompkins County, New York, Toms River, NJ, Tow Truck Insurance, Truck Insurance, Truckers, Trucking, Ulster County, New York, Union County, New Jersey, Warren County, New Jersey, Warren County, New York, Washington County, New York, Wayne County, New York, Westchester County, New York, Wildwood New Jersey, Woodbridge, NJ, Yates County, New York. Bookmark the permalink.

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s