If you need a vehicle to help maintain your business, then you will have to acquire commercial vehicle insurance. In Minnesota, like many other states, it is necessary for you to have insurance on your business cars and trucks.

Who Needs Commercial Vehicle Insurance?

You will need insurance if you are using a vehicle for any reason that is related to your business. If your company requires you to have several employees to drive, then you will need insurance to cover them and your company vehicles. For example, if your employees deliver pizza or other goods daily, they will need to be covered in case there is an accident.

Types of Commercial Auto Insurance

• Bodily Injury Liability – covers you if your employees hurt someone during an accident.
• Property Damage Liability – helps prevent you from paying for property or vehicles that are damaged.
• Uninsured/Underinsured Motorist – gives you coverage if you are involved in an accident with a person who does not have enough insurance to cover the damage.
• Medical Payments – allows you to pay for your medical bills if you are injured during an auto accident.
• Collision Coverage – covers damage to your business vehicle if it is involved in an accident with another car or object, such as a building or telephone pole.
• Comprehensive Coverage – offers you coverage if your business vehicle is damaged due to something other than a collision, like vandalism, fire, or storm.
• Other Options – roadside assistance and rental reimbursement are options that you may consider when thinking about buying commercial auto insurance.

Get assistance and information from the independent insurance agents at Safechoice Insurance Agency. Located in Rochester, Minnesota, they can help you with your commercial auto insurance as well as providing options for home, life, health, and other insurance needs.