Key Insurance Tips for the Busy Delivery Season

Commercial auto insurance is a must have for businesses operating a delivery service or any other business that relies on a pickup truck. You may be a contractor that carries tools in your truck. You may be a repair technician that goes from one location to the next. You may make deliveries. No matter what type of business you have, the right pickup truck insurance for your business is a must. There are several key factors to keep in mind about this type of business insurance.

Pickup trucks used in any component of business operations should have a specific commercial auto insurance policy. These policies offer far more coverage and more extensive protections than personal auto insurance plans. Look for a policy that includes the following coverage options.

• Liability insurance: Though your state may require you to carry bodily injury and property damage, it is also wise for you to have ample amounts of coverage over the legal limit. The legal requirement tends to be significantly lower than what most companies need. This insurance does not cover your vehicle, but rather the damage done to other drivers or property.
  
  
• Physical damage coverage: This is a more comprehensive plan. It focuses on the damage to your pickup truck, which includes comprehensive and collision coverage. If your pickup collides with another object (not a vehicle) or is stolen, this policy can provide you with coverage.
  
  
• Uninsured or underinsured motorist insurance: This form of insurance protects you from damage caused by another driver who does not have enough or any insurance protection. It helps pay for damage to your pickup.

In addition to these coverage options, also take a look at any additions you have on your truck. If you use a utility trailer, gooseneck trailer or a horse trailer, be sure to get coverage that also protects against these assets.

Commercial auto insurance needs to meet your company's needs. If you rely on your pickup to get you to and from your clients, ensure you have adequate coverage to protect your assets properly. It could be very important not only to keep your pickup protected, but also to keep your business protected from loss.