Commercial Vehicle Insurance - Protecting Your Vehicles from Winter Accidents
The city of Rochester experiences heavy snow and freezing temperature in winter months. The temperature drops below zero degree centigrade with heavy snowfall which leads to the accumulation of ice on the road and structures over an extended period. This result to a wide variety of hazardous road conditions, making driving dangerous and increasing the possibility of road accidents for many commercial vehicles. Technically, winter weather condition amasses on your business roof and cause financial losses.
Avoiding Winter Accidents for Commercial Vehicle
Motor vehicle crashes cost employers $60 billion annually in medical care, legal expenses, property damage and lost productivity. When a worker has on-the-job crash that results in an injury, the company faces heavy loss in managing the compensation cost. Any crash on and off the job needs a financial assistance for loss coverage in times of claim or sue.
Business Insurance agency in Rochester, NY provides commercial auto insurance coverage for those drivers and owner. Whether you own or lease a single business car or an entire fleet of commercial vehicles, you’ll need to purchase commercial auto insurance. Your insurance professional can help you weigh your risks and evaluate coverage options.
Explaining Commercial Auto Insurance
Commercial auto insurance is very similar to personal auto insurance, except for that the policy is geared towards protecting the business. Commercial auto mainly covers vehicles that are used in the course of business that are used for transportation of goods from one destination to another. A vehicle can be owned and titled to an individual and still maintain a commercial auto policy.
This type of insurance policy is required to cover the cars, trucks, and vans used while conducting your business. This policy covers the physical damage and liability coverage for amounts, situations, and usage not covered by a personal auto policy. It pays for
- Bodily Injury coverage
- property damage liability coverage
- medical payments, no faults or personal injury coverage
- Uninsured motorists coverage
- comprehensive physical damage coverage
- Collision coverage
Where to buy a commercial auto insurance coverage
When you think of buying a commercial auto insurance coverage, or either think of competitive rates and great service, have your commercial auto policy from InsuranceTrak. You also want to grab information about business insurance Rochester, NY , InsuranceTrak has the resources to pay for your claims.
The above mentioned information can help you minimize commercial vehicle risks, but they cannot entirely prevent any accident from happenings. The best way is to get prepared for the bad road conditions that accompany the winter months. Be sure to winterize your vehicles to avoid engine trouble and train your drivers to be safe on road.