Commercial Auto Insurance in Cuyahoga Falls, OH
Running a business in and around Cuyahoga Falls, OH often means relying on vehicles, whether it’s a single work van or an entire fleet of trucks. At Garlesky Insurance Agency, we understand how essential your vehicles are to your daily operations, and how even an isolated accident or unfortunate incident could have dire financial consequences. That’s why our team is dedicated to helping business owners secure the right commercial auto insurance.
Why Commercial Auto Insurance Matters
Personal auto policies typically don’t cover vehicles used for business purposes. If you or your employees
drive for work, such as making deliveries, transporting equipment or visiting clients, commercial auto insurance is crucial. This coverage can help safeguard your business from the financial impact of accidents, property damage and liability claims that can arise on the road.
What Does It Cover?
These policies can be tailored to fit a wide range of business needs. In many cases, you may want to procure insurance that includes the following financial protections:
- Liability coverage can help with third-party bodily injuries and property damage if your business vehicle is involved in an accident for which you were at fault.
- Collision coverage can assist with repair or replacement costs if your automobiles are damaged or destroyed in a crash
- Comprehensive coverage may offset losses caused by noncollision incidents, such as fires, criminal acts and natural disasters.
- Uninsured/underinsured motorist coverage can compensate your business if someone else is at fault for your losses but lacks adequate liability insurance.
- Hired and non-owned auto coverage can extend financial protection to situations where employees are using personal or rented vehicles for business purposes.
- Roadside assistance coverage may help manage costs, such as for towing, if your vehicles break down on the side of the road.
Is Coverage Required?
If your business owns, leases or uses even personal vehicles for work, commercial auto insurance is generally required by Ohio law. Failing to comply could lead to costly fines and penalties. Additionally, if you’ve financed your vehicles, lenders will often impose additional coverage requirements to protect their investments.
We’re Here to Help
Contact Garlesky Insurance Agency today to discuss your commercial auto insurance needs with our experienced team.
