• Home
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us (855) 935-1233 Español
Quantum ALliance
  • Main Menu
  • Agents
    • Become An Agent
    • Agents Page
    • Personal Auto Login
    • Homeowners Login
    • Agent Forms
    • Policy Forms
  • Customers
  • File A Claim
  • Make A Payment
  • Manage My Policy
  • Claims
  • Blog
  • Contact
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Market HOMEOWNERS MARKET

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Roadside Assistance ROADSIDE ASSISTANCE

Learn about different roadside coverage options that fit your specific needs.

Read More
Mexico Insurance CHUBB MEXICO

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Home > Blog > Who Has Coverage On Your Commercial Auto Policy?
THURSDAY, DECEMBER 27, 2018

Who Has Coverage On Your Commercial Auto Policy?

Row of Commercial Vehicles

Operating business vehicles might mean using a single company car. Or, it might mean using a fleet. These vehicles will have drivers, all whom both present and face risks behind the wheel. It's up to the business owner to make sure that all drivers have appropriate coverage under commercial auto insurance. How can you achieve this protection?

As a business owner, the burden of insuring your drivers usually falls on you. Keep in mind, however, often more than just drivers alone need coverage.

Understanding Commercial Auto Insurance

Commercial auto insurance protects a business's investment in the vehicles it operates. A business is different from a single driver. That's why standard policies generally don't cover commercial vehicles.

Among the most prominent differences is that more people become involved in commercial vehicle operation than drivers alone. Coverage will thus account for the different parties involved. That is because they all might have to have a degree of coverage under the policy. In other words, commercial coverage will protect the company and those within if problems occur. The operation itself will have a financial shield. So, in case of liability claims or vehicle losses, many parties usually have protection.

Think about it this way. In case of a liability claim against the business, more than just a driver might face a lawsuit. An injured party might choose to go after the business owner and other individuals. So, all these parties might need coverage from a commercial auto policy. But, how do you insure them?

Most commercial policies might insure three parties:

  • The Business: Generally, the business owner is the policyholder. The business itself is also usually a named party on the policy.
  • Permissive Users: These are those people who have permission to use your vehicle. Most often, these are your employee drivers. However, they might include other drivers in certain cases.
  • Omnibus Users: This can be a tricky group to understand. It is generally a party that could be accountable for the actions of any of the named insured or permissive users. For example, if you use a contractor as a driver, coverage might need to extend to the contractor's actual employer.

Talk to your Quantum Alliance agent about exactly who will drive your business vehicles. Also tell them if you will ever drive the vehicle on personal rather than official business. Factors like these can help your agent determine the right coverage for all who might drive. Never let anyone operate your vehicle who does not have appropriate coverage.

Contact Us

Posted 2:00 PM

Tags: commercial auto insurance, business insurance, quantum alliance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018

  • quantum alliance(37)
  • home insurance(14)
  • auto insurance(13)
  • car insurance(12)
  • commercial auto insurance(9)
  • motorcycle insurance(8)
  • flood insurance(6)
  • business insurance(5)
  • recreational vehicle insurance(3)
  • farm insurance(3)
  • coverage(2)
  • insurance(2)
  • general liability insurance(1)
  • extra(1)
  • mexico auto insurance(1)
  • life insurance(1)
  • mexico car insurance(1)
  • total replacement cost value(1)
  • claim tips(1)
  • quantum alilance(1)
  • selling(1)
  • tips(1)
  • ranch insurance(1)
  • work comp(1)
  • workers compensation insurance(1)
  • quantum aliance(1)
  • claims(1)
  • actual cash value(1)
  • car(1)
  • home security(1)
  • homeowners insurance(1)
  • commercial insurance(1)
  • home(1)
  • compensation(1)

View Mobile Version
Facebook
LinkedIn
Carriers
<Carriers
Facebook Logo
Tweets by QuantumMGA

Resources

Home About Us Blog Make a Payment Privacy Policy Contact Us

Contact Us

icon
  • Mailing Address
  • 2931 Ridge Rd. 106
  • Rockwall, TX 75032
  • _
  • O: (855) 935-1233
  • F: (972) 476-1253
  • E: Marketing@QuantumMGA.com
© Copyright 2020. All rights reserved.
Powered by Insurance Website Builder