Determining Coverage Needs for Commercial Auto Insurance in Michigan
Companies and entrepreneurs in Michigan, or anywhere else for that matter, put a lot of their assets at risk to operate their businesses on a daily basis. An insurance policy helps protect these assets when an unfortunate accident occurs. Perhaps one of the most important types of insurance in the market is commercial auto insurance. This is why we at Allied Insurance Managers, Inc. offer several coverage options with our commercial auto insurance policies. We can write anywhere from one auto, to an unlimited amount on a business policy. In addition to this, we partner with a wide range of trusted carriers.
A commercial auto insurance policy basically works like personal car insurance. The only difference is that it can cover damages caused or sustained by an uninsured commercial vehicle. A standard commercial auto insurance policy covers employees, equipment, goods and the business itself; especially if a lawsuit is involved.
Drivers transporting products and goods in company vehicles are primarily the ones that are protected by a car insurance policy. Vehicles like big rigs, cars, pickup trucks, sports utility vehicles, utility vans, limousines, and cabs will need to be insured as long as they are used for business. Any type of business that deals with transportation of goods and related services, or carrying heavy equipment, is in need of auto insurance. However, coverage for the insurance will likely depend on the specific needs of the business. Our company can help find the ideal policy for your business needs.
Many states, including Michigan, automatically require coverage for Bodily Injury, Property Damage, and Personal Injury; which is why these are included by default in our policies. We realize that many businesses have needs far beyond these initial requirements. We offer additional types of car insurance coverage like Uninsured Motorist Coverage, Collision Coverage, and Physical Damage Coverage. CSL (Combined Single Limit) Coverage is also an option, which can allow businesses to get higher limits of up to $ 1,000,000.
Allied Insurance Managers, Inc. is an established insurance agency in Michigan. Founded in 1912, our company has since stood by its commitment to helping businesses find the best policies for their needs. Currently, we are known as one of the largest independent property-casualty insurance agencies in Southeast Michigan.