Does your business require the use of vehicles for its day to day operations? If you answered yes, then you need to purchase commercial auto insurance policy in Rhode Island. Not only is it required by the state law, it is an important step to protect your business assets.
Accidents happen when you least expect it. And when it happens on the road involving your commercial vehicles, then it can be expensive. Get peace of mind knowing that whatever happens on the road, your business is protected from immense financial responsibility.
The minimum liability coverage requirement set by the state of Rhode Island is a good place to start when you want to determine how much coverage to buy. All business-owned vehicles must meet the following minimum coverage:
Again, it is important to go for higher limits based on the individual circumstances of your business and vehicle use.
Accidents can happen within a matter of seconds. Therefore, your business vehicles should always be protected once they take the road. How do you ensure you have the right coverage? It is important to look at what a typical policy covers:
It is also important to assess your business’ risks so you can determine the level of coverage needed. You need to take into account the type of vehicle, type of goods and equipment being carried, history of driver, distance traveled, and the frequency of use.
Indeed, the risks associated with a pizza delivery company and a moving company that carries fragile items owned by clients are different. Therefore, you must purchase a policy that will protect your business according to the assessed risks.
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