If you own a business that employs drivers, you should consider commercial auto insurance. This includes delivery services, transportation services and any business that requires a lot of driving. Your TCU Agency agent can help you determine if your Tuscaloosa, AL Company would benefit from commercial auto coverage. In the meantime, here is some additional information to get you started.
Who Needs Commercial Auto Insurance?
If you’re a commercial driver or own a business that employs CDL drivers, it’s important to be aware of federal and state laws. For example, food delivery and child care pickups require commercial auto insurance, so personal coverage isn’t enough. At a minimum, your coverage must include bodily injury liability and property damage liability, but there are many other options available.
Additional Coverage Options
Besides the basics, ask your TCU Agency agent if the following policies would help you protect your Tuscaloosa AL business in the event of an accident and resulting law suit.
- Uninsured/underinsured motorist insurance pays for damages to your vehicle in an accident caused by an uninsured or underinsured driver.
- PIP with medical coverages. Personal injury protection (PIP) with medical payments pays the expenses if your passengers are injured in an accident.
- Emergency roadside insurance. This can be critical if you or your drivers travel cross-country and are at risk for an expensive breakdown in a remote area.
- Personal effects insurance. This takes care of personal belongings in the event of theft.
Contact TCU Agency today to set up an appointment to get a quote for commercial auto insurance and any other coverage required by your Tuscaloosa, AL business.