- Category: Business Auto Insurance for Oregon Contractors
- Published: Wednesday, 15 February 2012 20:51
- Written by Doug Hartley
- Hits: 2911
You own a truck or van and drive to one or two job sites a day. Perhaps one is in Hillsboro and one is in Gresham. You drive all the way across the Portland Metro Area. Maybe you have to run to your supplier and pick up some materials or tools and head back to the job. You want to make sure that your Oregon commercial auto insurance policy covers you while on the job. We can review your policy and make sure it is appropriate for the business you are in.
Contractors have unique needs. You move from one job site to the next multiple times per day. You often need to run to pick up materials that the original order didn't include. You may have to go on location of a potential job to gather information. Maybe you can calculate the bid on the spot or head back to the office to run the numbers and make some phone calls or check the Internet. No two days are the same. A personal auto policy may not be appropriate for what you do. And, you may be surprised at just how reasonable a commercial auto policy is in price and coverage.
Personal auto policies often restrict the use of your vehicle to commuting to the same place every day or for personal or recreational use. If you haven't had a business or artisan use endorsement added to your personal auto policy, you run the risk of an accident not being covered. Another risk you face is letting an employee use your vehicle or his or her own vehicle while conducting business on your behalf. Your personal auto policy does not cover your employee or extend to cover them while driving their own vehicles. Those risks are to great for you to take and pay for on your own. For about the same amount of money, you can get a policy that specifically covers the hazards you face.
Make sure your business auto policy has all the right coverage for commercial risks. Also, list all your potential employees on your commercial policy. You can even add coverage to protect you and your business in case your employee uses his own vehicle while conducting business for you. You can extend coverage to temporarily borrowed or rented vehicles. Check with us for all the additional coverages you may be able to put on your commercial auto policy. We can also carefully explain what activities and property are excluded.
Call us today at InsureSource Agencies, LLC (Westside) or Pulse Insurance, LLC (Eastside) for a comprehensive review of all the commercial auto liability and property damage exposures you face as a contractor doing business in the State of Oregon. We represent some of the top rated small business auto insurance carriers.
We can also offer you very competitive General Liability coverage through both CBIC and Builders and Tradesmen's. See our link to Pulse Insurance, LLC for information.