When you own a business, you are continually facing risks that could cause serious harm to your business. Insurance is the way that businesses protect themselves from risks. If your business were found to be liable for an accident that was not covered by insurance, that money would have to be paid directly from your funds.
Perry Insurance Agency helps business owners in Vernal, UT with all their commercial insurance needs, including commercial auto insurance. When your company owns vehicles, you will obviously need to purchase commercial insurance that will specifically cover those vehicles.
However, your company might try to save money by allowing employees use their cars to run errands or conduct other business. But how does insurance work in cases where you are using your personal vehicle to perform tasks for the business, and your personal auto insurance already covers your car?
Unfortunately, using a personal vehicle to conduct business may mean that you are not covered if there is an accident. That means that all of the damages, including bodily injury and property damage, might need to be paid out of pocket by your business.
There are many factors which could influence whether your personal insurance will cover auto accidents that occur during your employment. These include questions like whether the vehicle was used to deliver goods, whether it was used as a taxi service, and whether the driver was employed directly by the business or contracted out for work.
You don’t want to take any chances when it comes to protecting your business in Vernal, UT. Contact our friendly agents at Perry Insurance Agency today to make sure your business has all the protection it needs.