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Independent Insurance Agents
Serving Virginia and Maryland

Business  

IN THIS SECTION

  Liability
  Property
  Workers Comp
  Vehicles
  E&O
  Umbrella
   

Business Auto Coverage

A Business Auto policy includes liability, collision and comprehensive coverage to meet your business needs. Whether you are retail, wholesale delivery, contractor or service industry vehicles, we can customize a policy to meet your specific needs.  Garage Auto insurance provides for all types of coverage including auto sales, service, repair, gas stations, auto detailing. The policy provides liability coverage for your work and physical damage coverage on your customers’ autos as well as your own.  As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal, such as liability, collision and comprehensive, medical payments, uninsured motorists, etc. In fact, many companies use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. If you are using your car for business activities -- transporting supplies or products or visiting customers, you need to make certain that your automobile insurance will protect you from accidents that may occur while you're on business.  If you have a personal umbrella liability policy, there's generally exclusion for business-related liability.  We can assist you with having sufficient auto liability coverage.

 





 




LIFE INSURANCE
Term Life Insurance
Permanent Life Insurance
Key Man Life Insurance
Group LIfe Insurance
Annuities

HEALTH & DISABILITY INSURANCE
Group/Employee Health Benefit Plans
Individual Health Insurance