Connecticut Commercial Auto Insurance

You’ve done a great job building your business. It’s your ticket to The American Dream. You don’t want to lose everything you’ve worked so hard for if you or an employee is involved in a work-related auto accident. That’s why you need a Connecticut commercial auto insurance policy, which the team at Paradiso Insurance can help you get.

 

Just as you need private passenger auto insurance to protect your personal vehicle for family use, if you’re a business owner, you need a commercial vehicle policy to insure your business fleet—even if it’s just one vehicle—and any vehicles you or your employees use on company business. Without the right commercial vehicle coverage, you expose your business assets to great risk. Worse yet, as the owner of the business, you may even be found personally responsible for costs associated with any accident.

 

In addition, if your business car or truck is damaged, you could find it difficult to keep your business operating and you run the risk of losing or disappointing customers you’ve worked hard to get.

 

Whether or not your Connecticut company needs to purchase a commercial auto insurance policy is dependent on the type of driving your employees do. Our local insurance professionals will take time to understand your business and its needs. We’ll talk about company vehicles, who uses them and how, whether your employees use their personal vehicles for company business, whether you lease or hire autos, what other mobile equipment you might have, and more.

 

Then, we’ll show you the various options that exist to keep you protected and put together a program with one of the dozens of top-notch insurance companies we work with that best fits your particular needs. We’ll address a number of important protections, including:

  • Liability Coverage, which protects you against judgements and other expenses when someone else suffers bodily injury or property damage as a result of your firm’s operation of a vehicle. We’ll explore various coverage extensions, exclusions and limits, as well as reimbursement for legal costs associated with the claim or lawsuit.
  • Physical Damage Coverage, which responds when one of your covered vehicles is damaged in some way. Again, we’ll address all extensions, exclusions, limits and deductibles and how they apply, and we’ll make sure you’re properly protected.
  • Other options, such as hired auto physical damage, which covers hired or borrowed vehicles; Lease or Loan Gap Coverage, in case there’s a difference between your covered vehicle’s value and what’s owed to the lienholder; electronic equipment coverage, for things like DVD players and GPS units that are permanently installed in your vehicle; and more.

 

We understand that dealing with everything that’s required to run a successful business keeps you busy. That’s why we’re here to help you protect your business and to make sure there aren’t any gaps in your coverage. To learn more about how a Connecticut commercial auto insurance policy can be part of a solid protection program, stop by our office, give us a call or complete our quote request form. We look forward to working with you.

Coverages to Consider

Workers Compensation

At Paradiso Insurance we understand how this important protection can help you avoid costs associated with workplace injuries. And we’re experts at finding the right coverage for your business.

Commercial Umbrella

With an umbrella policy, your chances of weathering the storm—or accident or lawsuit—are much better. Getting the right protection—and the right amount of protection—is easy.

Bonds

At Paradiso Insurance, we specialize in providing both large and small businesses with the following commercial, contract and business service surety bonds.

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