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BUSINESS AUTO INSURANCE
Businesses are constantly in motion – delivering goods and services, picking up supplies, visiting customers and prospects or just running errands. It is important to protect the cars and trucks that you and your employees drive so may focus on what matters most to your business.
Auto policies for business owners cover not only the repair of damages to your vehicles, but also the liability created when injuries or property damage occur. These benefits include collision coverage, theft coverage, third party bodily injury and third-party property damage liability.
Business auto insurance helps cover the costs of auto accidents that occur while you or your staff use company-owned vehicles for business. At Assurein Insurance, we have the experience to help you choose the best insurance coverage for the cars, trucks or trailers that make up the core of your business activities.
We offer flexible, affordable and comprehensive business auto insurance to customers in retail and distribution, manufacturing, transport and logistics and many other sectors that heavily rely on motor vehicles to deliver to their customers.
Irrespective of whether you have one vehicle with us or hundreds, our goal is to ensure we understand your business and obtain the best coverage we can for you in the market. This may be price driven or it may be based on who is the best company to handle your fleet of vehicles and help you better manage your fleet so that in the long term you have a more profitable business.
WHAT YOU NEED TO KNOW
Third Party Only Insurance
Provides protection against claims arising from accidental bodily injury or damage to third party property, happening in connection with business and occurring within the territorial limits described within the period of insurance. The policy is not triggered to pay until the insured has been found legally liable to shoulder damages.
Third Party, Fire & Theft Insurance
While, the above discussed third party coverage provides protection only for the third parties involved, Third Party, Fire and Theft offers additional benefits namely loss of the vehicle due to fire or theft happening in connection with the insured’s business and occurring within the territorial limits described within the period of insurance.
Comprehensive Insurance
This cover offers full protection to both parties involved in an accident. It offers financial security in case of a road accident or in case your car is stolen, damaged due to fire, riots or natural disasters like floods. This cover also offers third party benefits such as damages to other people’s properties like vehicles or buildings, injuries and death. Different insurance companies have different additional coverages. These extra coverages provide cover for windscreen, glass damage, entertainment unit, excess waiver, political violence and terrorism risks among others.