If you’re a small-business owner you know that your company vehicles provide not only transportation but also a consistently professional image and mobile marketing. But do you know that they also require a commercial insurance policy? It’s true: personal auto policies typically exclude coverage for vehicles used in your business. If you use vehicles to transport your employees, equipment or products, you probably need commercial coverage.

Farmers offers flexible coverage options that reflect the characteristics of your business and typically include:
•Bodily Injury: Covers bodily injuries (or death) to another for which you are legally responsible.
•Property Damage: Covers damages to someone else’s property for which you are legally responsible.
•Collision: Covers your vehicle when your car hits, or is hit by, another vehicle.
•Comprehensive: Covers your vehicle for losses resulting from incidents other than collision.
•Uninsured/Underinsured motorists: Covers you for bodily injuries, damages, or death caused by an at-fault uninsured or underinsured driver.
•Medical Payments: Covers medical expenses incurred by you and your passengers injured in an accident.

Avoid, reduce and mitigate potential claims
Whether you manage a few pickups or a full fleet of box trucks, you owe it to yourself and your business to learn as much as you can about our comprehensive commercial auto policy provisions. Farmers has a staff of highly trained loss prevention experts who can guide you through safety programs and provide supporting materials designed to help educate your employees. Let’s get together soon to review your coverage.