Tag Archives: commercial vehicle insurance

Lowering Your Commercial Auto Insurance Rates

Insurance Premiums For Company Cars

Finding the right commercial vehicle insurance policy that will best fit your needs can be much easier said than done. There are many factors that you need to consider when deciding on the right policy, all which can have serious impacts on how much you pay each month. Make sure to consider all of these factors to ensure that you are able to invest in the right amount of coverage for your specific needs.

  • Your drivers – the driving record of all your employees is one of the biggest factors that is used to determine what your commercial auto insurance rates will be. When hiring new drivers for your company, make sure to take a look at their driving record. The better their record is, the lower your rates will be.
  • Your fleet – your auto insurance company will want to know what type of vehicles you are looking to insure. The more expensive your vehicles are, the higher your rates will be. If you are planning on buying new vehicles to fill up your fleet, consider newer vehicles that may qualify for more discounts than older vehicles.
  • Your vehicles – each company vehicle that is included in your fleet helps to determine your rates. There are auto specific coverage options that can help to lower your price if you properly insure your cars. If you have many different types of cars in your fleet, you may want to invest in similar commercial coverage for each vehicle to keep your premiums as low as possible.

For all of your Conejo Valley business insurance needs, and to ensure that you have the right amount of coverage, contact Cappuccino Insurance Agency in Westlake Village, California. As an independent insurance agency, we will work with you to ensure that you have the coverage that you deserve, all at the right price.

Business meeting

Properly Protecting Your Business From a Disaster

Business Insurance For Disasters

When you own a business, you do all you can to protect it from a disaster, including investing in the right insurance policies. However, if you are relying on just your business owner’s policy to provide coverage, you may not have enough protection. Make sure to consider these business insurance policies to ensure that you are not left paying for repairs out of your own pocket.

  • Insurance for your structure – your commercial property insurance policy will provide protection if the structure of your building is damaged during a disaster. As an added bonus, your commercial property insurance policy will also provide coverage for your equipment that is damaged. If you have any specialty equipment that is valuable, you may want to invest in extra coverage. Talking with your insurance agent will give you a better idea of how much coverage you need.
  • Insurance for your commercial vehicles – your existing commercial vehicle insurance policy will provide coverage for any damage that is done to your company cars during a disaster, as long as you have comprehensive coverage. Comprehensive coverage will provide protection for any damage that is done by a disaster other than a car crash.
  • Insurance for flooding – the only way to protect your business from damage that is done by a flood is to invest in a specific flood insurance policy. If you are relying on your property insurance policy, you will be left paying for all the damages that are done during the flood.

For all of your business insurance needs, contact the insurance experts at Cappuccino Insurance Agency in Westlake Village, California. We will work with you to ensure that you have the right amount of protection for any disaster, all at the right price to fit your budget.