In Kansas, business owners must obtain auto insurance for any vehicles that are used for their company. These vehicles must have at least personal auto liability coverage if the owner uses the vehicles themselves for business and personal purposes; however, they should also acquire commercial coverage as well. A local insurance agent can provide information about commercial auto insurance in Wichita KS for these business owners.
What Does This Policy Cover Essentially?
Essentially, the commercial auto insurance covers any physical damage to the commercial vehicle itself and provides coverage for liabilities linked to an accident. The policies are designed specifically for any number of vehicles that are used for business purposes. This includes fleet trucks, company cars or vans, and utility-based trucks if the business uses these vehicles.
Are There Different Levels of Coverage Available?
Yes, the commercial auto owner can choose liability coverage for the vehicle including bodily injuries, combined single limit, property damage, and medical payments coverage. They can add uninsured or underinsured motorist coverage to their policy to assist with accidents when the other party doesn’t have any auto coverage. Comprehensive physical damage is used to protect the owner’s vehicle in the event that it is stolen or damaged due to natural disasters, fires, or other criminal acts.
Does the Owner Need Additional Coverage for the Products They Deliver in the Vehicles?
Yes, the business owner must obtain separate coverage for these items as they aren’t covered fully within the commercial auto policy. Typically, these items are covered under the business insurance; however, some limitations may apply for products and inventory used by the company. Any high-valued items should be added to a rider when the policy is underwritten by the agent to obtain the highest coverage possible.
In Kansas, business owners purchase a variety of policies to protect their company and their workers. Among these policies is auto coverage for commercial vehicles used for the business. Company owners who need to review Commercial auto insurance in Wichita KS for their vehicles should contact Andy Woodward Insurance for a free quote or to schedule an appointment with an agent.
