If you are one of the nearly 950,000 businesses in Ohio, then you are well aware that getting business insurance is required by law. However, it is also a legal requirement to obtain commercial auto insurance. This is to provide protection for your business-owned vehicles from liabilities in case of traffic accidents.
Don’t wait until these road accidents happen. You could save thousands of dollars on legal and medical costs if you have a policy that offers the right amount of coverage.
Buying commercial auto insurance in Ohio is not enough. You need to buy coverage that offers adequate protection for your business.
First and foremost, the state of Ohio has minimum liability coverage limits for commercial auto insurance. If you operate taxis, vans, food trucks, heavy trucks, or just about any type of commercial vehicle, you must meet these limits.
The bodily injury liability per person is $25,000 per person. If there are more injuries, then this limit is set at $50,000 per accident. In case the traffic accident resulted in property damage, the state law requires that you have coverage of no less than $25,000.
It is always a good idea to obtain higher limits, if you can. This will offer more protection and spare your business of the financial burden.
For othere states, make sure to check the requirements by state.
All business vehicles must obtain commercial auto insurance in Ohio. Therefore, you need this coverage regardless of your industry and nature of business. For example, delivery van service providers must insure their vehicles just as much as restaurant owners who use their vehicles to purchase goods and equipment.
Ohio motor vehicle crash statistics indicate that commercial vehicles commonly involved in road accidents are buses, limos, vans, medium trucks, and heavy trucks. Buying insurance is also necessary even when the vehicle is rented or not owned by the business. As long as it is used for your daily operations, then it should be covered with insurance.
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1061 N University Blvd, Middletown, OH 45042
(513) 424-2481
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