Do I Need a Commercial Policy for Every Vehicle?

Business owners face a lot of challenges, and operating in Mishawaka, IN does not spare you from any of them. A unique set of challenges arise for any business that owns and operates motor vehicles. Issues of specialized commercial insurance can be convoluted, especially if you own multiple vehicles. To make things easier, Kevin Dennis Insurance Agency is here to make things clear for one of the most confusing components of commercial insurance: multiple policies. If you aren’t sure how many or what kind of policies you might need, you’re in the right place.

Operating a Fleet

Coverage will always vary from policy to policy, but many insurers offer fleet options. When you go this route, you can have a consolidated policy that covers every vehicle in your fleet. Whether you want to think of it as one policy or multiple is up to you. This is the typical route taken by businesses that use multiple vehicles with multiple drivers, but it is not the only situation that exists.

Unique Vehicles

Some businesses have specialty vehicles that may require specialized licensing to operate. If you employ such vehicles alongside traditional cars or trucks, you might find your situation is a bit more complicated. Again, things vary by policy, but many insurers will separate the specialty vehicles from the more standard ones. This could require you to have multiple policies to insure all of your assets.

Whatever the particulars of your Mishawaka, IN, business happen to be, you’ll find that a conversation with your Kevin Dennis Insurance Agency representative is usually the best first step. We can help you understand the peculiarities that often arise with commercial insurance and help you find a policy package that best fits your needs.