At Townsend Insurance Group, we know that your vehicles are critical to the success of your business.  And we also know that it is equally as critical to have the right commercial auto insurance in place to protect you and your business.

In choosing the right policy, there are a number of different options to consider, including whether fleet insurance or per vehicle policies are the best solution for your unique situation.  Your Personal Insurance Advisor at the Townsend Insurance Group will guide you through the options available so you can choose the one that best meets your specific needs.

In addition, the Townsend Insurance Group specializes in helping businesses with their insurance and risk management programs.

It is critical to understand that your personal auto insurance will exclude coverage for commercial uses of your vehicle.  That’s why it is imperative that you discuss your needs with us as soon as possible so that in case of an accident, you are adequately protected.

We are often asked what can be done to lower the cost of commercial auto insurance. The following strategies and tactics can generally help to lower the cost of your insurance coverage:

• Anti-theft and safety devices – items such as alarms, GPS tracking, and air bags can lower your premiums. In addition, programs which require seat belt usage can also help reduce your costs.
• Deductibles – deductibles represent the portion of risk you are willing to absorb before the insurance company would pay on a claim. The higher the deductible, the lower your premiums will be.
• Driver records – by hiring only qualified drivers with safe driving records, you can significantly reduce your premiums.
• Location – determines premiums for the theft portion of your insurance coverage.
• Vehicles – the sportier the car, generally the higher the premium. By having 5 star safely rated vehicles, you can significantly reduce your premiums.

Other things you must consider when choosing a commercial auto insurance policy:

Certain types of businesses are subject to federal and state regulations in the operation of their vehicles.  It is important to fully understand those regulations.  We will guide you through this every step of the way to ensure you are in compliance at all times.  In addition, it is important to discuss with us whether or not your company will be using equipment from third parties, such as leased or rented equipment. If so, you will also need non-owned vehicle coverage.

Trust the Townsend Insurance Group to guide you to the right protection for all of your business auto needs. Call us today for a complimentary consultation of all of your business insurance needs.