A Battle Creek commercial auto insurance policy may be pricey for a company to maintain, but it is also essential for any business that has company-owned vehicles. Commercial auto insurance policies are usually put in place by a company to help protect themselves from financial liability should one of the company’s vehicles or employees be involved in an accident when using the business-owned vehicles. Despite the high cost of a commercial auto insurance policy, there are many ways to help...

Keeping your business going is the number one concern of every business owner. Reducing daily business risks, providing products that customers want at prices that are fair are two major elements to keep your business in the lead.  However, from time to time a business suffers from certain events that cause interruptions for a specific amount of time. These interruptions may cause a business to lose money, and in some cases it may cause damage to their brand. The only way to safeguard ...

Safety involves much more than simply locking up at the end of the day. As a business owner, you must provide a safe environment for both employees and guests, along with protecting the premises from criminals. Try these five tips for keeping your business safer: 1.       Train your employees: In the simplest sense, your employees should be thoroughly trained before operating any non-standard equipment or before using any hazardous materials. However, more comprehe...

The job of a travel agent is to provide guidance and advice to his or her clients. As a result, these individuals typically work together to solve problems, create plans, and make purchases. All travel agents need to have a solid business insurance to cover all risks they face as a business owner. Because of  the nature of their business, these professionals may need specific coverage. Take a look at common types of business insurance for agents. General Liability Insurance As a travel ag...

Medical payment coverage is one component of a commercial auto insurance policy. You and your drivers should understand what it covers. This feature provides coverage for incidents in which passengers suffer an injury while in your vehicles. Without it, your company may have to pay for these losses out of pocket. That can be very expensive. Here is what you need to know about it. What Does Medical Payment Coverage Include? Medical payment coverage is a valuable asset. Imagine a situation in wh...

It is not uncommon for business owners to know how to protect their workers and customers. You know to keep customer spaces clean to avoid slips and falls. You know how important worker safety is. Yet, third parties who enter your property are also at risk. General liability insurance can help cover losses related to these individuals as well. Here is how they can help you. When a Delivery Person Enters Your Property Let’s say your delivery person comes into your stock room to drop off p...

If you drive for a company like DoorDash, you generally do not need to carry your own commercial auto insurance. But, you should get in touch with your insurance provider in order to work out the details. Some insurers may provide additional coverages for delivery drivers, while others may need to reconsider your rates given how much time you are spending on the road. In any event, letting your insurer know up front will help to ensure that you are, in fact, covered, should someth...

Like personal auto insurance policies, commercial auto insurance rates are subject to a variety of factors. The premiums for this insurance vary widely depending on your location, the size of your business and more. Taking a look at what is affecting your commercial auto insurance rates can help you understand your premiums and find ways to save money.  Size of the Business  The size of the business not only refers to the number of vehicles you have insured, but also the number o...

When your employee drivers get behind the wheel, they are engaging in a high-risk activity. Like any other driver, they could be susceptible to accident risks, and when these occur, the driver might sustain significant injuries. It’s at this point that they might need help during their recovery, and their employer can provide this assistance through workers’ compensation benefits.  Let’s take a closer look at how workers’ compensation works within the context of c...

Business owners who allow their employees to drive as part of their assigned duties assume a degree of liability for the employees’ actions behind the wheel. Therefore, they need commercial auto insurance. Still, if an employee uses their personal car for work, then that does not mean that your liabilities go away. The employee still drives under the business’s authority at these times. So, if you are trying to insure this employee, then you will likely need to ensure your policy con...

Running a business involves dealing with necessary expenses to keep the door open. Among your business expenses might be insurance costs. Expenses also might include the costs to maintain company vehicles and drivers.  If you operate vehicles for commercial purposes, you might need commercial auto insurance. These policies can be costly. Nevertheless, there are ways that you can keep your commercial auto insurance affordable.  A Brief Overview of Commercial Auto Insurance  ...