Business owners make choices every day to protect the interests of their business. Ensuring that they are covered by the right types of commercial insurance is key in protecting the business when the unexpected occurs.
If your business regularly uses vehicles for deliveries, passenger pickups, or other work-related operations, then you may be vulnerable to lawsuits or costly repairs if something goes wrong. Choosing the commercial auto insurance that is appropriate is a critical point in protecting the financial health of your business.
Minimum coverage requirements for commercial vehicle insurance are set by individual state laws, and are typically more extensive than the requirements for personal vehicle insurance. It may seem obvious that you need commercial auto insurance for a vehicle used exclusively for business purposes, but what about a personal vehicle that may be used in the operation of your business? If you are driving a personal vehicle for commercial reasons and are in an accident, you may be shocked to discover your personal auto insurance will not cover the damages.
Factors Affecting What Type of Insurance You Need
Every business has unique needs for all types of commercial insurance, and car insurance is no exception. Only an agent who is well-versed in this type of insurance can sit down with you and help you determine which coverage will best suit the needs of your business, but these are some factors to keep in mind:
At Dave Turley Insurance Agency, we understand the complexity of commercial liability insurance, and we are determined to help our clients fully understand their options so that they can make the choice that is right for them and their business. We know how much your business matters to you, and we want to help protect you from the unexpected. We proudly serve business owners throughout the Thousand Oaks, California area, and are happy to set up a consultation at a time that is convenient for you. Contact us today!
The winter months are upon us, bringing cold temperatures and adverse weather conditions. You may already be prepared for winter, and purchased a new pair of rain boots or a heavy coat, but have you thought about preparing your home?
The rain, snow, and ice that are synonymous with winter can cause serious damage to your home, resulting in costly repairs. The unnecessary costs and stress can be avoided by preparing your home in advance to make sure you don’t fall victim to damage to your home and the need to pay for costly repairs.
Planning Ahead For Winter
There are a few simple actions to take to protect your home during the winter, which will result in more efficient heating and prevent any unnecessary homeowners’ insurance claims. The following are some of the tasks that will protect your assets (and your wallet) this winter:
The winter months are filled with joy surrounding the holiday season, so don’t let the colder temperatures and threatening weather conditions get in the way. For any questions regarding winterizing your home or to review your current homeowners’ insurance policy, contact us at Dave Turley Insurance Agency in Thousand Oaks, California so one of our friendly agents can assist you to have the right coverage to protect your home – at the right price.
There are many insurance programs available from different companies, and we can evaluate your current policy to find out if a better program is how available, to lower your premiums, and provide a higher levels of protection. As we are a local agency, and our staff all live and work in the Thousand Oaks area, we are interested in helping the people in our community to avoid unwanted insurance claims, and have the homeowners’ insurance protection that makes sense.
Our local agents can meet with you during regular business hours, or on evenings and weekends for your convenience. Call now!