| A Small Business Insurance Quote along with an | | | | routinely many automobile insurance companies |
| automobile insurance policy will normally complete | | | | frown upon providing coverage for this exposure. |
| your insurance program. We have outlined below | | | | The automobile insurance premium for this |
| a few key points that you should consider when | | | | coverage is usually based upon receipts. |
| requesting an insurance policy. | | | | - Non-owned auto liability. If you have someone |
| - Liability limits. Depending on your business, you | | | | who uses their personal vehicle on your behalf, |
| should have the appropriate liability limits based | | | | this coverage you should be in place to protect |
| upon your exposure to claims or accidents. Thus, | | | | your small business. The rule of thumb to |
| if you are in some sort of delivery type business | | | | remember is that insurance follows the car first |
| the chances are that you will be more likely to | | | | and the driver second. So, if somebody is using a |
| have automobile accident than someone who is | | | | personal vehicle on your behalf and get into an |
| not in a delivery type business. Also, if you are | | | | accident, their personal auto insurance will pay |
| part of a franchise usually your franchisor will | | | | first. It is quite possible that you too will be sued |
| dictate what liability limits you need. | | | | in the accident because they were working on |
| - Hired/borrowed auto liability. Sometimes you | | | | your behalf. This coverage protects you from |
| might find it necessary to rent a truck or a van | | | | those kinds of claims. |
| for your business. Having this coverage already on | | | | As you can see, and automobile insurance policy |
| your policy can save you a lot of money from | | | | can easily round out your small business insurance |
| not having to buy auto coverage from the rental | | | | program. |
| car agency. Although, if you tend to rent vehicles | | | | |