As a business owner, it is imperative that you have the proper coverage for all aspects of your organization, especially auto insurance.  Whether your employees are driving business-owned vehicles or their own, having the right insurance will protect your company if an accident occurs.

Here are five important things every business owner should know about commercial auto insurance:

1. Commercial auto insurance is designed to protect your business from legal claims of property damage or bodily injury that may occur while a company vehicle is in use, or when a personal vehicle is being used for business reasons.
2. The type of commercial auto insurance coverage you need depends on several factors, including:
   1. Who will be driving your vehicles?
   2. How are vehicles used in your business?
   3. Do you own or lease?
   4. Are personally-owned vehicles driven for your business?
3. Personal car insurance policies will not cover the business for an accident occurring when a personal vehicle is being used for business purposes.
4. Your business auto policy scope of coverage can be broad or narrow. Options for coverage under a commercial auto insurance policy include:
   1. Vehicles owned by your business
   2. Vehicles hired or leased by your business
   3. Vehicles used for your business, including those vehicles the business does not own, hire, or lease
5. Commercial auto insurance policies typically cover the following types of losses:
   1. Auto liability: Property damage or bodily injury caused to third parties.
   2. Medical: Covers medical expenses for you or your passengers injured in a crash, regardless of fault.
   3. Collision: Covers damage to your vehicle in a crash with another motor vehicle or an object, or in a rollover.
   4. Uninsured/underinsured motorist: In case of an accident caused by an underinsured, uninsured, or hit-and-run driver, this covers property damage and medical bills.
   5. Comprehensive: Also called physical damage coverage, comprehensive pays for repairs or replacement if your vehicle is stolen or damaged by vandalism, collision with an animal, or certain weather conditions.

At Glenn Insurance, the success of your business is important to us. If you have questions about your commercial auto insurance policy, give us a call at 1-800-OK-GLENN. To learn more about our auto policies, click here.