Orange County, CA insurance agency agent serving California workers compensation insurance, general liability, commercial insurance, business liability, bonds, errors and omissions insurance, business auto, commercial vehicle

Commercial auto insurance provides coverage for your fleet of vehicles as well as the drivers who operate them. Coverage provided by commercial auto insurance includes injury to drivers, loss or damage to vehicles, loss or damage to any cargo carried by your fleet, and damage caused to the property of others by your vehicles. Typically, you can expect the following types of coverage to be included in your commercial auto insurance policy:

Bodily Injury
Property Damage
Uninsured and Underinsured Motorists
Medical Payments
Comprehensive
Collision
Motor Truck Cargo

Often, personal vehicles are used to carry out company business. The assumption almost always is that you and your vehicle are covered for any incidents that might occur irrespective of what you were doing at the time of the incident. It is possible that for certain situations, however, your personal auto insurance coverage doesn't extend to an accident that occurred while you were on company business.

As an example - many salespeople use their own personal vehicle to make calls on their clients throughout the week. As a general rule, because most personal auto policy issuers will ask about business use of your vehicle during the assessment, or underwriting, phase of issuing the policy, the salesperson is covered for normal business use.

Let's say, however, that someone in your business owned a truck and routinely used that truck to deliver goods to customers and pick up supplies and/or raw materials for return to your facility. Further, let's assume that the vehicle owner, your employee, put a majority of miles on their vehicle while engaged in these deliveries for you - but did not divulge the extent of the business mileage to their insurance company. It is possible that if an accident occurred while making business deliveries, the vehicle owner might discover that they were NOT covered for accidents that occurred while so engaged… and thus be held personally liable. In this scenario, the employee - if faced with substantial exposure - might attack your company as being liable for the/their accident that occurred while they were engaged in business for you. If you didn't have a commercial auto policy, or if you did but it didn't include riders or inclusions for employee vehicle use - you might be exposed to substantial loss.

The insurance professionals at Prompt Insurance Agency take a close look at the use of vehicles by you and your employees while engaged in transacting your business. If they feel that you are exposed, they will advise you accordingly. When you meet with Prompt Insurance Agency and one of our insurance agents, you can expect:

Access to top rated, financially strong carriers
Comprehensive policy review
Custom designed Insurance Packages tailored to the specific need of each client
Service department staffed with dedicated account managers
Risk management and loss control services

carriers

buying tips

underwriting

Prompt Insurance Agency is a licensed Orange County, CA - California insurance broker offering commercial coverage to small business, medium business, and large businesses throughout the state of California. As a workers compensation provider, we cover business insurance needs in Los Angeles County, Orange County, San Diego County, San Bernardino County, Riverside County, Ventura County, San Luis Obispo County, and Kern County in Southern California. In Northern California, our business insurance services area includes all commercial insurance needs from general liability to business auto and commercial auto in the major county areas including Alameda County, Sacramento County Contra Costa County, Fresno County, San Francisco County, San Mateo County, San Joaquin County, Stanislaus County, Sonoma County and Monterey County.