From the Hunt Construction Group to the Cornerstone Bread Company, Indianapolis is home to many small privately-owned businesses. Kiplinger rates Indianapolis among the top10 best cities in which to start a business, mainly because of the low cost-of-living and affordable office space. If you own one of the more than 40,000 small businesses in this city and your company utilizes company vehicles in its day-to-day business operations, you will need to purchase Indianapolis, IN commercial vehicle insurance.
As a business owner, you may find it helpful to work with a member of the Trusted Choice® network for your business’s insurance needs. Independent agents work with several different insurance companies, so they can help you compare several quotes in one place before purchasing a commercial vehicle insurance policy that meets your coverage and budgetary needs. Contact a member agent today to receive a variety of competitively priced Indianapolis commercial vehicle insurance quotes.
Commercial vehicles are as varied as the businesses that use them. They can range from smaller vehicles such as delivery cars to construction vehicles such as dump trucks to cargo trucks such as 18-wheelers. Indiana mandates different liability coverage requirements for these vehicles depending on their size, passenger capacity, cargo types and purpose.
Most of the motor vehicle accidents in Indianapolis are due to driver error. You can minimize your risks by hiring experienced drivers with good driving records, ensuring that your company’s vehicles are well-maintained, and by providing your drivers with safety-education materials and training. It is also a good idea to limit the number of hours your employees spend on the road each day, as driver fatigue can lead to lapses in judgment.
Taking these precautions can significantly lower the risk of damage to your company vehicles or injury to a driver of yours in an accident. However, even the best drivers can sometimes find themselves involved in a vehicular accident. Careless maneuvers by other drivers, dangerous roadways and inclement weather can all play a role in causing a collision that your drivers are unable to avoid.
An Indianapolis commercial vehicle insurance policy will ensure that your business can continue operations with minimal losses in the wake of an accident. Many policies will provide rental or replacement vehicles for immediate use while repairs are being made so that your business flow can remain uninterrupted.
There is no such thing as a one-size-fits-all policy when it comes to commercial auto or commercial truck insurance policies. A company that relies on a fleet of cars for local deliveries will have vastly different needs than one that uses trucks for interstate commerce. When shopping for Indianapolis commercial vehicle insurance, be sure that you have all the coverage you need without purchasing unnecessary coverage.
Working with a local Trusted Choice independent agent can help. Independent agents are familiar with your Indiana’s coverage requirements and will ensure that you policy meets those mandates while providing all the coverage you need to protect your business from financial hardships. Contact an agent in your ZIP code today to receive a variety of obligation-free Indianapolis commercial vehicle insurance quotes.