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Providing superior commercial auto insurance Columbus, Ohio, along with personalized service to our clients, forms the foundation for everything we do at Haughn & Associates. Whether they are located in Columbus, throughout Ohio, or in one of the many other states where our insurance business is licensed to offer coverage, we pledge to protect, serve, and put our commercial auto insurance customers first.
Businesses with a fleet of company vehicles typically ask about Commercial Auto insurance, but unfortunately, a number of enterprises may not realize they too carry vehicle liability risks. For example, did you know these liability risks exist even if you’re not the owner of a company car or truck?
No matter what kind of vehicle you or your employees use for business — personal cars, a company vehicle, or an auto rental — if you’re at fault for an accident while on business, your firm may be liable for damage or injuries. A Commercial Auto policy for owned and non-owned vehicles is needed to protect your company in these instances.
It is obvious a large appliance retailer with a fleet of delivery trucks and repair vans requires an excellent commercial auto insurance policy, but you don’t need a parking lot full of commercial vehicles at your business to necessitate insurance coverage. Even if you are a solopreneur with a small business in Columbus, OH, you take a risk each time you get in your car or another vehicle to perform a business-related activity such as delivering a product or calling on a customer.
H & A offers a total auto insurance solution for your business in Columbus and other Ohio communities. From Commercial Auto Liability coverage to Comprehensive and Collision coverage options to Uninsured or Underinsured Motorists compensation, our insurance agency can help you find the right policy and available discounts for your coverages. Since we partner with a large number of commercial insurance companies, we can access a multitude of options to design the perfect policy for your needs and negotiate discounts to save you money. We always put you, our valued customer, first.
When designing your policy, our agent reviews your specific exposures to determine the coverage you need and the amounts you require. Here’s a list of commercial auto insurance coverages that policies may include:
Speak with an H&A insurance advisor to discover all your commercial auto policy options to cover your unique business insurance needs.
Just like property and equipment insurance, workers compensation insurance, and other types of commercial business insurance, the cost of a policy to provide coverage for your business vehicles is determined by many considerations. Some of the different factors that contribute to the price of the annual premium for commercial auto insurance may include:
Some kinds of businesses inherently carry greater risks than others. A business such as a welding supply company with trucks that transport flammable canisters presents more dangers than a commercial photographer who simply carries camera equipment in a van.
Large construction vehicles, heavy dump trucks, and tankers carrying flammable liquids all present more dangers than ordinary cars. Any risky vehicle raises premium costs.
A commercial business with a fleet of delivery vans making numerous daily trips pays more for insurance coverage than companies with a single truck or vehicle. Companies that frequently send employees to service equipment hundreds of miles away may also pay higher premiums.
Likewise, the more drivers companies have out on the road, the greater the risk of an accident.
The accident history of companies, as well as individual motor vehicle records of drivers employed by the businesses, may play a part in the rates for business auto coverage.
The maximum amounts your insurance covers affect the amount you pay. When you opt for higher limits, your premium goes up in accordance with the increased limits.
As with all your business insurance Columbus coverage, you want to keep premium expenses as low as possible for the necessary amount of coverage your business requires. While you probably can’t control many of the factors mentioned above that affect prices, you can take make sound decisions and take proactive measures to receive as many premium discounts as possible.
The insurance agency you work with helps determine not only high-quality coverage and appropriate protection but also the most reasonable price you pay for commercial insurance coverage. Haughn & Associates of Columbus, OH provides small businesses, as well as large corporations, with a large array of commercial insurance choices from the many companies we partner with for our business. This gives you boundless options and reasonable prices.
Make sure your workers know safe driving is a top priority. Convene safety meetings with refreshments to cover the rules of the road, and post the number of safe miles and trips. Set goals and throw a pizza party or hand out gift cards when they’re met.
Provide regular maintenance and frequent inspections for your fleet. Make needed repairs promptly.
At Haughn & Associates (H&A), our core values and principles of integrity, honesty, dependability, innovation, and collaboration shape who we are and guide us; they ultimately allow our team to provide our clients with high-quality insurance products and an unparalleled level of superior service. Each business, family, and individual is given the personalized attention needed to design the right fit of insurance and risk management protection for your insurance package.
