The Allstate Agency of William Amran specializes in providing the appropriate level of protection for both your personal and commercial insurance needs, protecting your family and your business. While we cater to all of your insurance requirements, one of our specialties is in the insurance of business autos. Here are a few things to consider when looking for appropriate insurance.
Commercial auto liability coverage typically provides protection for amounts you are legally obligated to pay to others for injuries or damage to property from a covered accident. Examples of covered items or costs are bodily injury, medical services, loss of income, loss of services, funeral expenses, property damage, defense costs, cost of bail bonds and premium on appeal bonds.
Loading and unloading coverage normally provides liability protection for damages resulting from the handling of property during the loading onto or unloading from covered vehicles. Covered items such as bodily injury or property damage resulting from the handling of property from a covered vehicle usually fall under this.
Medical payments coverage usually provides payment for the reasonable and necessary medical treatments you or your employees incur as a result of a covered accident, such as X-rays, physician, surgical, hospital, ambulance and dental.
Uninsured motorist coverage in general provides protection if you, or your employees, are injured in a covered accident caused by a negligent driver. Items covered include injury, death and sickness.
Collision coverage commonly pays for damage caused to your commercial vehicle resulting from a covered accident with another car, or a covered collision with most anything else, such as a tree. Repair or replacement of vehicle (up to actual cash value) due to a collision falls under this coverage.
Comprehensive coverage typically pays for damage to your commercial vehicles for covered losses not caused by collision or from the auto being overturned. Examples include wind, hail, earthquake, glass breakage, flood, fire, explosion, theft, vandalism and many other hazards up to the actual cash value.
These are just a few items that a business owner needs to consider when purchasing the adequate protection needed for his or her business vehicles. Whether it’s one vehicle or a fleet, ensure you have adequate protection by giving our office a call so we can review your existing policy at no charge to you.
For more information, please call the Allstate Agency of William Amran at 661-288-5738 or visit www.allstate.com/williamamran .