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"Commercial Auto Insurance" banner from EZ.Insure featuring a row of white commercial vans, highlighting coverage options for business vehicles.

 

If you use a vehicle for business purposes, you’ll need commercial auto insurance. With this type of policy, any costs associated with injuries, fatalities, or property damage caused by your vehicle are covered. Some people confuse commercial auto insurance with rideshare insurance, which is normally necessary if you work as a delivery or rideshare driver, but these are distinct types of policies. It’s also important to note that a standard auto insurance policy will not cover you if your vehicle is being used for business purposes.

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What Does Commercial Auto Insurance Cover?

Similar to a personal auto insurance policy, business auto insurance covers things like liability, accidents, medical bills, personal injury protection, and uninsured motorists. However, the eligibility requirements, coverage, exclusions, and limits are different for commercial auto insurance.

 

A commercial auto policy can typically provide coverage for the following:

 

  • Liability – If a motorist causes an accident while at work, commercial auto insurance with bodily injury and property damage liability will cover any resulting injuries, fatalities, or property damage. This coverage may also cover legal fees.
  • Medical Bills – Regardless of who is at fault, no-fault or personal injury protection will cover the driver’s and any passengers’ medical costs.
  • Uninsured Motorists – This provision covers medical expenses and occasionally property damage caused by uninsured or hit-and-run drivers. If the at-fault driver doesn’t have enough auto insurance coverage to cover all costs, this policy may also include underinsured motorist coverage.
  • Comprehensive and Collision – This provision covers vehicle damage resulting from theft, vandalism, flood, fire, as well as damage if a work vehicle is struck by something or another vehicle.

Commercial auto insurance packages may offer additional protections like towing and labor, rental reimbursement, and lease gap insurance.  But they typically exclude coverage for tools and other goods you may be transporting in the vehicle. Tools owned by your business can be covered by a business owner’s policy, which also offers safeguards for commercial property, while personal items in the car can be covered by a home or renters insurance policy.

 

The Difference Between Commercial Auto and Personal Auto

There are several differences between commercial and personal auto insurance. Even though commercial auto includes many of the same policy features as a standard auto insurance policy. A commercial auto insurance policy and a personal auto insurance policy primarily differ in the following ways:

 

  • Coverage levels 
  • Cost
  • Ability to deduct commercial policies from taxes
  • Who the policies cover

Due to their size, the potential damage they could inflict in an accident, and the value of their cargo, commercial vehicles frequently require more coverage than would a standard car or truck. Because of this, commercial insurance policies typically cost more than standard auto insurance.

 

With that being said, you might be able to deduct the cost of your commercial auto insurance from your taxes. And you might be able to deduct the cost of your insurance along with car maintenance, garage rental fees, lease payments, new tires, and tolls as required business costs.

 

Additionally, unlike standard auto insurance, a commercial auto policy can cover a range of drivers. Including your family, employees, and anybody else you specify on your insurance contract. Unless they have non-owners coverage, members of your household and individuals who occasionally drive your car are covered by your regular auto insurance.

 

Who Needs Commercial Auto Insurance?

If your business owns any vehicles, or if you use your own vehicle for work, you need commercial auto insurance. Personal auto insurance will not cover any accidents that happen while you’re using the vehicle for business. You’ll want to consider a commercial auto policy if you:

 

  • Drive for a rideshare – If you drive for a service that transports people or if you deliver food, your personal auto policy will not cover you.
  • Have high mileage – Driving between work sites or to meet clients can add up quickly, and the more you drive, the more chance for an accident to occur.
  • Transport goods – If you transport your company’s products from site to site in either your personal or work vehicle, you’ll need commercial auto insurance.
  • Have employees who drive for you – If your employees operate company vehicles, you need to make sure they’re covered in case of an accident. Even if those employees are driving their own vehicles. You are responsible for their coverage if they are driving for work on your behalf.
  • Your vehicle is a certain size or type – You might need to purchase commercial insurance if your vehicle’s gross weight exceeds 15,000 pounds. States may also demand that a vehicle be classified as commercial if it has undergone specified modifications. Such as the removal of the seats behind the driver.

For some personal reasons, such as getting to and from work, you might be protected by your personal policy. But unless you’ve bought additional coverage, your personal coverage won’t cover any use of your car for business purposes.

 

For example, your personal insurance won’t cover any claims if you work for yourself and are in an accident. For example, if you are a painter or carpenter and get into an accident while traveling to a project. In addition, if you drive your own car for deliveries or own a food truck, a commercial vehicle policy may offer the best protection.

 

When it comes to rideshare drivers, most locations do not require rideshare drivers to have a commercial auto policy. Instead, to have complete protection if you drive for a company like Uber or DoorDash, you might have to add rideshare coverage to your own policy.

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The Cost of Commercial Auto Insurance

While prices differ, the typical commercial auto insurance policy usually costs between $142 and $200 a month. Of course, a number of factors. Some of which you can control and others that you cannot, may affect your costs.

Cost Factors

A wide range of factors influence policy pricing for commercial auto insurance. Which is what causes the vast differences in average and median prices. To get a realistic price, you’ll need to take into account a number of factors related to your company and the vehicles you are insuring. Just like you would when choosing any sort of business insurance.

 

Some elements that impact the cost of commercial auto insurance include:

 

  • Location – Given that some states have higher insurance rates than others, where you live will have a big impact on your rates.
  • Vehicle type – The price of your policy will vary depending on the commercial vehicle’s year, make, and model. In general, the bigger and heavier the vehicle you insure, the higher the premium will be.
  • Mileage – Your costs will also vary depending on how much the vehicles you insure are driven during the course of the policy. Your premium will increase when you increase your driving, because the likelihood of an accident rises as you drive more.
  • Driving history – Your premiums will be impacted by both your and your workers’ driving records. Lower rates are an incentive for better driving records.
  • Industry – The type of business your insured vehicles engage in affects your rates as well. Higher risk industries will mean higher rates.
  • Amount of vehicles – The more vehicles you insure, the higher your premium will be.

How to Keep Costs Down

Commercial auto insurance can be much more expensive than personal auto insurance. But there are still ways to reduce your rates as much as possible without sacrificing coverage.

 

  • Vet drivers – Hire only drivers with a clean driving record. Conduct routine drug tests to ensure that staff aren’t operating a vehicle while intoxicated. Which can result in penalties and accidents and raise your insurance rates.
  • Driving trackers – Companies that employ driving trackers to monitor speed and erratic driving may be eligible for discounts from some insurance carriers. These devices might also have be GPS, allowing you to monitor whether cars are taking unnecessary detours. 
  • Limit mileage – In general, your insurance costs decrease the less you drive. You can cut down on mileage with GPS route planning and arranging deliveries according to proximity.
  • Business use policy – You might not require a commercial auto insurance plan; in some circumstances, a personal auto insurance plan with a “business pursuits” exclusion will be sufficient. Your rates will be cheaper if the car is more of a personal vehicle with a few business uses.
  • Bundle your fleet – If you own more than one company vehicle it is considered a fleet. Bundling insurance for each of the vehicles into one policy can lower your insurance rates. This isn’t always an option. Because certain carriers will have a minimum amount of vehicles required for a fleet of cars.

 

FAQs

  • What is the difference between commercial and business auto insurance?

The difference between the two is what vehicles the plans cover. Commercial auto insurance covers cars that are driven for specific jobs such as shipping trucks or oil trucks. Whereas business auto covers vehicles that are just for transportation, such as a contractor’s truck that he drives from job site to job site. Another difference is the price, commercial auto is typically more expensive since the insured vehicles have higher risks.

  • Is commercial auto insurance required by law?

Every state, except New Hampshire and Virginia, has a law that says commercial auto insurance is mandatory. Even in states where it’s not mandatory drivers can still be responsible for damages.

  • Do independent contractors need commercial auto insurance?

Commercial auto insurance protects independent contractors if they get into an accident while driving their business vehicle. Regardless if you are self-employed or not almost every state requires for a vehicle owned by a business to have coverage.

  • What if I buy a policy but then decide I need more coverage?

It’s easy to add on more coverage later. You just ask your agent to extend your coverage to the amount you need. This will give you a higher premium once the changes are made though.

 

Get Covered Today with EZ.Insure!

Purchasing your commercial auto insurance policy through EZ.Insure is your best option. We focus on each individual customer and create a welcoming environment throughout the shopping experience. You’ll get immediate results in addition to personalized service. There is no hassle, no purchase obligation, no more headaches, and all of our services are completely free. To get a free quote simply enter your ZIP code below or give us a call at (855)-694-0047.

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If you’re a small business owner, there are probably a lot of things that worry you. One of them might be the amount of liability insurance you should have, since facing a major lawsuit could mean losing everything you’ve worked for. This of course, is the worst-case scenario but even so, it’s better safe than sorry – and this situation is entirely avoidable with an umbrella liability and/or excess liability insurance policy

 

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What is Umbrella Liability Insurance?

Umbrella liability insurance is a type of coverage policy that works by extending the limits of multiple existing liability policies including general liability, professional liability auto liability and employer liability insurance. In addition to increasing current policies limits, umbrella liability also helps by filling in coverage gaps by covering some claims that primary policy might exclude.

 

So, if your business faces a lawsuit and you are liable for damages that are greater than the limits of your commercial insurance policy, an umbrella policy will help you to pay the remaining amount. That means you won’t have to sell any of your assets or use any of your savings to pay the additional expenses out-of-pocket. 

 

It’s important to note that umbrella policies are supplemental coverage, meaning you can’t purchase one without first having primary liability insurance.

What Does an Umbrella Liability Policy Cover?

Commercial umbrella liability policies work pretty much the same as traditional commercial liability policies. It also provides protection against the same types of risks. To be more specific, an umbrella insurance policy will give you supplemental coverage for the following:

 

  • Slip and fall injuries – If you have general liability insurance and also purchase commercial umbrella insurance. Your supplemental policy will cover any excess legal costs in the event that a third party sustains an injury on your company’s property.
  • Third party property damage – The addition of commercial umbrella insurance to a general liability policy will help to pay legal fees associated with the destruction or damage of third-party properties.
  • Car accidents – If you have a commercial auto insurance policy or a policy that covers hired and non-owned vehicles. Adding commercial umbrella insurance to those policies can help cover costs in the event that someone sues you for damages caused by one of your vehicles.
  • Employee injury lawsuits – Having an umbrella policy on top of employers liability insurance (which is typically included in workers’ compensation insurance) will help pay for employee lawsuits brought on by work-related injuries caused by employer negligence.

What Doesn’t Umbrella Liability Insurance Cover?

Although umbrella insurance can increase the liability limits of several other policies, it does not offer the complete safety net that a small business may require. Umbrella policies do not cover the following:

 

  • Damages within the primary policy’s limits – Umbrella liability insurance does not kick in until the limits of the primary policy have been exhausted. As with any insurance, it only covers things up to the policy’s maximum.
  • Business property damage – Damage to your company’s property due to things like fire, theft, or certain types of weather can be covered by the commercial property insurance included in a business owner’s policy (BOP) or commercial package policy (CPP). Umbrella policies are extensions of existing liability insurance and you cannot buy them separately for property.
  • Professional errors – Malpractice insurance, also known as errors and omissions insurance (E&O) or professional liability insurance, protects professionals from legal action stemming from their own negligence or those of their clients. Excess liability insurance, also known as excess E&O insurance, is very similar to umbrella insurance. You can use it to increase the limits of this type of policy. But umbrella liability insurance will not cover this type of negligence.
  • Employee theft – If you want to protect your company financially from employee theft or fraud against customers or clients. You’ll need commercial crime insurance, also known as a fidelity bond.

Who Needs an Umbrella Liability Policy?

In general, the more face-to-face interaction your business has with your clients and customers, the greater your liability risks. In addition, if your employees are using dangerous equipment or heavy machinery, your business faces even more risks. 

 

If the above is true for you, and you believe that the cost of a claim could exceed your liability limits, purchasing commercial umbrella insurance is something you should seriously consider doing. This coverage may be of useful for your business if:

 

  • You’re a general contractor and your client needs more coverage – Umbrella insurance is a stopgap measure for contracts worth more than $2 million. If you’re a general contractor, and your existing general liability policy has a $2 million per-occurrence limit, but your client contract requires a $5 million per-occurrence limit. You would add an umbrella policy with a $3 million per-occurrence limit.
  • You’re in contact with the public – The possibility of a customer sustaining a physical injury is increased when your establishment is open to the public. For instance, during business hours, wholesalers frequently use various pieces of machinery to restock the shelves of their warehouses. When using this kind of machinery in the presence of customers, there is a risk of injury. If someone gets hurt while on your property, you could be liable for expensive medical bills and lawsuits that exceed the limits of your general liability insurance. 
  • You do work off site – Working away from the physical location of your company can also increase the liability risk it faces. For instance, if your employees are performing work at the residence of one of your customers, there is an increased possibility of property damage. 

 

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The Cost of Umbrella Liability Policies

The range of umbrella insurance policies available is very broad, with a significant gap between the lowest and highest limits of coverage. This makes sense, since no two businesses share the same set of risks. There are businesses that choose to purchase $1 million in supplemental coverage, and businesses that might even choose to purchase $100 million or more in coverage. The amount of coverage you choose, as well as other factors related to the type of business you run, the amount of employees you have, and your annual revenue, will determine how much an umbrella policy will cost you.

 

With that being said, prices can vary widely even between seemingly identical businesses. And keep in mind that without knowing your business, we can’t give you exact quotes, so speak to an EZ agent to find out what you can expect to pay. But to give an example, let’s say your small business is looking for $1 million in coverage. With a $1 million policy, the highest premium costs average around $208 a month, or $2,500 for the year. Generally businesses with higher risks pay the most in premiums; this typically includes doctors, lawyers, and construction companies. On the opposite end of the spectrum, for less risky businesses such as cleaning services, you would pay around $33 a month. Or $400 for the year.

How Much Umbrella Liability Coverage Do I Need?

If you have a business that is contracted out by clients, and you have a contract with a client that requires a liability limit higher than $2 million, you will typically purchase an umbrella policy to meet that limit. It’s not unusual to see contracts worth $5 million or more. In that case, you buy a $3 million umbrella policy in addition to a $2 million primary policy. Otherwise, the amount of coverage you choose should be tailored to the specifics of your business and its industry.

 

Keep these three things in mind as you browse umbrella insurance quotes:

 

  • Your coverage should match your assets – To have enough coverage, your coverage needs to match your assets. So, if your entire company’s net worth is $1 million, that’s how much coverage you need.
  • Umbrella liability starts at a minimum of $1 million – You cannot purchase an umbrella liability policy with a coverage limit of less than this amount.
  • Umbrella liability coverage comes in increments of $1 million – You can only increase your liability coverage in increments of $1 million, allowing you to acquire precisely the amount of protection you need.

The Difference Between Umbrella Liability and Excess Liability

There is a common misunderstanding that commercial umbrella insurance and excess liability insurance are the same thing. You can purchase excess liability insurance to supplement your existing liability insurance policy. Your supplemental plan will only provide extra coverage to the specific plan you purchase it for, unlike umbrella liability insurance which can provide you with added coverage for multiple types of liability coverage. 

 

For example, if you buy excess liability for your general liability policy, it will only provide extra coverage for your general liability claim. On the other hand, if you purchase an umbrella policy, you will have extra coverage for all of your other liability policies in one supplemental policy.

FAQs

What are the disadvantages of umbrella insurance?

While umbrella insurance is a great way to supplement your current liability insurance it comes with some downfalls. These include the fact that adding an umbrella policy onto your current policy will increase your insurance premiums. Additionally, sometimes it’s required to increase the limits of your existing liability policy in order to qualify for umbrella insurance. 

 

Do I need umbrella liability insurance if I already have high coverage limits on my policies?  

Even if you already have high coverage limits on your existing liability policies, large lawsuits or claims can exceed your policy maximum limit. Umbrella insurance provides extra protection beyond your current policy limits, helping to pay for legal expenses, settlements and judgments, even if they are very expensive. 

 

Can I use excess liability insurance to cover multiple policies?

No, unlike umbrella insurance, excess liability simply extends the coverage of one specific policy. If you have multiple liability policies that you wish to extend, it’s worth looking into an umbrella liability policy instead. 

 

Get Business Insurance Today with EZ.Insure 

Get in touch with an EZ agent if you want to compare commercial insurance policies and prices quickly and easily. If you need assistance making sure your business has enough coverage, our agents are available to assist you at no cost. We’ll take a look at your long-term financial plans and insurance requirements, then recommend the best policies for you. 

To get started enter your zip code in the box below to get a free instant quote, or give us a call at 855-694-0037  to speak with a live agent.

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Do You Need Commercial Insurance For Uber?

Driving for Uber or another ride-sharing is an awesome way to earn extra money, but it also comes with some risks. On top of that, most standard auto insurance won’t fully cover you while on the job.

 

That’s why it’s crucial to understand the types of coverage you need, the average cost, and how to find the best policy to ensure that you and your passengers are protected.

 

Luckily, we’ve developed a simple guide exploring all of these key points. Let’s dive in!

 

Already know what you need? That’s great! Get a personalized commercial auto insurance quote from EZ.Insure today, and stay protected from day one. 

 

Uber driver transporting passengers, with a road graphic and text overlay asking, 'Do You Need Commercial Insurance for Uber?'

 

Why Uber Drivers Need More Than Just Personal Auto Insurance 

When you drive for Uber, basic personal auto insurance is not usually sufficient. Here’s why:

 

The Difference Between Personal Auto and Commercial Insurance

Personal auto insurance is intended for personal, not commercial, usage. When you drive for Uber, you are using your vehicle for commercial purposes, which alters your risk profile in the eyes of insurance companies. This means that many personal motor insurance policies will not cover incidents while driving for Uber.

 

Gaps in Uber’s Insurance Coverage

Uber offers some insurance coverage to drivers, but it is limited. Uber’s coverage only applies during some parts of your drive. 

 

Let’s take a look at some specific driving situations and which insurance coverage would apply during each: 

 

  • Offline or Personal Use: If you are using your vehicle for personal purposes, and not online in the Uber app, you’ll have to rely on your personal vehicle insurance policy. 
  • Waiting to Receive a Ride Request: Uber offers limited liability coverage during these times.
  • En Route to Pick Someone Up & During a Ride: Uber provides liability, collision and comprehensive coverage, but only if you have these coverages on your personal policy. Their coverages also usually include a deductible. 

In short, while your own coverage will help in some ways, having a comprehensive commercial auto plan helps by filing the gaps in coverage, so you can avoid costly out-of-pocket expenses. 

 

Types of Commercial Insurance You Need as an Uber Driver 

As an Uber driver, you need several kinds of commercial insurance to ensure complete coverage. Here’s an overview of the coverage types you’ll want to invest in: 

 

Two cars involved in a rear-end collision, illustrating the importance of having proper commercial insurance coverage for Uber.

Rideshare Insurance: This is a hybrid coverage intended for Uber and other ridesharing drivers. It fills the gap between your personal auto insurance and Uber’s coverage, ensuring you’re protected during all driving phases

 

Liability coverage: This coverage type protects you if you are at fault in an accident that injures others or damages another person’s property. This coverage is crucial in order to avoid costly out-of-pocket expenses for legal or medical bills.

 

Collision Coverage: This policy type provides coverage for the cost of repairing or replacing your car in the event of an accident, regardless of responsibility. Since Uber’s collision coverage is only available if you have it on your personal policy, adding collision insurance to your business policy assures you’re covered in the event of an accident while driving for Uber.

 

Comprehensive Coverage: This type of  insurance protects you from non-collision incidents such as theft, vandalism, and natural disasters. Given the time that Uber drivers spend on the road, this coverage is critical.

 

Underinsured/Uninsured Motorist Coverage: If you are hit by a driver who does not have appropriate insurance, underinsured/uninsured motorist policy will protect you. 

 

Risks of Driving for Uber Without Commercial Insurance 

Driving for Uber without sufficient commercial insurance might result in major financial and legal consequences. Here’s what you’re risking: 

Close-up of a person holding cash from a wallet, representing out-of-pocket expenses Uber drivers may face without proper commercial insurance coverage.

 

  • Risk of Claim Denial: If you are involved in an accident while waiting for a ride request, your personal motor insurance may deny your claim due to commercial use. Without commercial insurance, you may be solely responsible for repair costs and liabilities expenses.
  • Out-of-Pocket Expenses: Paying for medical bills, car repairs, or legal expenses out of pocket can be extremely costly. Commercial insurance protects you from such risks by ensuring you are covered in all circumstances.

 

How to find Commercial Auto Insurance for Uber Drivers 

Finding the right commercial insurance for Uber requires careful consideration. Here are key factors to keep in mind:

 

  • Coverage Options: Look for policies that specifically cover rideshare driving and offer comprehensive, liability, and uninsured motorist protection.
  • Cost and Affordability: Balancing affordability with the right coverage is crucial. Getting quotes from multiple providers can help you find competitive rates.
  • Customer Support: Choose an insurer with excellent customer service to ensure you can easily manage claims or get assistance when needed.

Compare Rates with EZ.Insure

EZ.Insure is the best option for Uber drivers looking for commercial insurance. EZ.Insure simplifies the process for rideshare drivers by providing quick quotes, low rates, and coverage options tailored to their needs.

 

Get a personalized commercial insurance quote from EZ.Insure now and drive with confidence.

 

Average Cost of Commercial Insurance for Uber Drivers

The cost of commercial insurance for Uber varies based on several factors:

 

  • Location: Urban regions typically have higher premiums due to increased accident risk.
  • Driving History: A clean record will help lower your insurance, however accidents or violations might raise it.
  • Vehicle Type: Larger vehicles or those with higher repair expenses may have higher premiums.

 

While premium costs vary quite a bit depending on the above factors, and the carrier you’re working with, Uber drivers typically pay between $100 and $300 per month for commercial auto coverage. 

 

FAQs

Do I need commercial insurance coverage even if I only drive part-time for uber? 

 

Yes, even part-time Uber drivers require commercial insurance. Part-time driving is still considered commercial use and is therefore not usually covered by personal vehicle insurance.

 

What is the difference between rideshare and commercial insurance?

 

Rideshare insurance is a type of commercial auto insurance intended exclusively for drivers employed by companies such as Uber. It fills in gaps that traditional business or personal insurance may not cover. Commercial insurance is an overarching term that refers to a variety of different policy types, all aimed at protecting businesses.

 

Can I drive without company insurance while not logged in to Uber?

 

Yes, when you are not actively working for Uber, your personal motor insurance usually covers you. However, getting rideshare or commercial insurance guarantees that you are fully covered while on the job.

 

Is this blog’s information applicable when driving for other ridesharing apps, such as Lyft? 

 

Yes, the information in this guide is generally applicable to drivers for other ridesharing firms, including Lyft. Whether you drive for Uber, Lyft, or another service, the need for commercial insurance is similar. Both Uber and Lyft offer limited insurance coverage, but it may not entirely protect you in all instances. 

 

Get the Peace of Mind You Deserve as an Uber Driver

Commercial insurance for Uber drivers is more than just an option; it’s necessary in order to protect yourself, your passengers, and your rideshare business. 

 

Commercial insurance provides the peace of mind that every driver deserves by filling in the gaps between personal and Uber-provided insurance. 

 

Don’t leave your safety to chance. Instead get insured today!

 

Ready to take the next steps? To ensure that you’re covered every mile of the way, get a quote from EZ.Insure! Simply enter your ZIP code into our data form, or call us directly at (855)-694-0047. 

 

Was this guide helpful? If so, take a moment to check out our entire resource library where we house tons of informational articles, all aimed at helping people save money and run successful business operations!

 

Do You Need Home-Based Business Insurance? 5 Questions to Ask

There are many benefits that come with running your business from home. This includes convenience, flexibility as well as comfort. With all this being said, many home-based business owners don’t consider the risks associated with running an organization from their house. This poses the question — “Do I actually need insurance for my home-based business?”

 

While you may scoff at the question at first, thinking it’s unnecessary, the truth is that just like any other business, having the proper coverage provides essential protection safeguarding everything you’ve worked for. But don’t just take our word for it. Instead, to help you make an educated decision about your options, we’ll delve into five critical questions to ask yourself. When it’s all said and done, you’ll have a solid understanding of why home-based business insurance is so essential. 

 

 

Question #1: Do You Have Expensive Inventory or Equipment?

Infographic titled 'Do You Need Home-Based Insurance? 5 Questions to Ask Yourself' with five key questions listed.

One of the first things to think about is whether or not your home-based business involves inventory or expensive equipment. Your homeowners’ insurance probably doesn’t cover business-related objects in the case of damage, theft, or loss, even if you work from home.

 

Think about things such as your laptop, tools, technology or any other equipment that’s vital to your business operations. Then consider any inventory. Do you sell goods? If the answer is yes, these items could also be in danger without the proper protection. In the unfortunate case of a fire or break-in, you may have to replace these valuables out-of-pocket.

Why This Question is Important

  • Your operation relies on your inventory and/or equipment and without it your business is probably not functional. 
  • Without home-based business insurance, replacing these items may be very expensive or unaffordable.
  •  Homeowner policies alone usually don’t cover inventory or equipment losses.

Question #2: Do Clients or Customers Ever Visit Your Home? 

Do you ever hold meetings at your house office with customers or clients? If so, you might be putting yourself in danger for responsibility if an incident occurs. For instance, you can be liable for a client’s medical costs if they trip and fall on your property, leading to an expensive lawsuit.

 

General liability insurance covers property damage and physical injury claims made by third parties. Even if your place of business is your house, this type of coverage  it’s still necessary for any company that deals with clients or consumers face-to-face.

Why This Question is Important

  • Hosting clients without the proper home-based insurance leaves you liable in the case of an injury
  • General liability coverage will take care of the costs of lawsuits or claims relating to an accident, so you won’t have to pay out of pocket. 
  • Having general liability coverage puts clients at ease and bolsters your reputation as a responsible business owner. 

Question #3: Could a Lawsuit Affect Your Financial Stability? 

If you own a small business and are on a strict budget, a lawsuit could be extremely detrimental to your business. Even a small claim could have a huge negative impact. In addition to an injury-related incident, clients may also file lawsuits if they think you’ve committed a professional error or if they feel you failed to provide a promised good or service.

 

Unfortunately, the legal and court costs stemming from these types of situations can add up quickly and jeopardize your finances. That’s why it’s so crucial to consider investing in professional liability coverage on top of the general liability protection that we discussed above. 

 

Why This Question is Important

  • Small businesses suffer far more than large corporations in the result of lawsuits since they generally don’t have nearly as much funds or resources. 
  • Professional liability coverage takes care of legal fees, court fees, and other payouts associated with a business error. 
  • Without coverage, a lawsuit could be so expensive that you’re forced to sell your assets. 

Question #4: Do You Rely on Your Home-Based Business for Income? 

If your home-based business is your main source of revenue, you should think about how an unplanned disruption could affect it. What would happen if your home was damaged by a fire, a natural disaster, or some other unanticipated incident that prevented you from using it for several weeks or even months?

 

Business interruption insurance acts as a safety net paying for lost income during these unexpected down times. This coverage guarantees that, even while your business is recuperating you can continue to fulfill your financial and client obligations, pay your bills, and provide for your family.

Why This Question is Important

  • Without business interruption insurance, an unexpected event may force your business to shut down entirely, therefore bringing your income to a halt. 
  • This coverage oftentimes provides relief in the form of a new, temporary space to operate out of. 

Question #5: Do You Use a Vehicle for Business Purposes?

Smiling man wearing a cap sitting in the driver's seat of a white van.

While this question isn’t directly related to your home, many remotely-based entrepreneurs utilize vehicles in their day-to-day operations. Unfortunately, if you’re regularly using a car, truck or van for business purposes, your personal auto coverage probably won’t cover it.

 

Consider tasks such as delivery, client visits, or inventory transportation. If any of these are applicable to your company, and you aren’t properly covered, you’ll be financially liable for any accidents on the job. This is where commercial auto insurance comes in, protecting your business vehicle in the case of an accident during the work day. 

 

Why This Question is Important

  • When using a vehicle for purposes related to your business, personal car insurance policies will not be enough. 
  • If an accident occurs while you’re conducting business, you won’t have to pay out of pocket. 
  • Without commercial auto insurance, you’ll be held liable for any vehicle damage, personal injuries or lawsuits stemming from the accident. 

Final Thoughts on Home-Based Business Insurance 

If you run a business from the comfort of your house, investing in home-based business insurance is crucial. Even if you still aren’t sure whether it’s necessary for your organization or not, just review the five questions listed above. If your answer to any of these questions is yes, home-based business insurance is likely a smart investment.

 

It’s important to get ahead of potential risks before they actually take place. If you decide not to, it could cost you an exorbitant amount of money, or even your entire business. So don’t wait for any surprises, instead, take time to review your coverage options, and find a plan that best fits your small businesses needs. 

Visit EZ.Insure For Your Business Insurance Needs

We understand that shopping for business insurance isn’t fun and it can be confusing too. Luckily for you, there’s a platform that makes finding insurance quick and easy. We’re of course talking about EZ.Insure. At EZ we pride ourselves on the seamless, simple platform that we’ve built out. All you have to do is enter your ZIP code and in a few minutes you’ll be matched with a customized insurance quote for free! We also have side-by-side plan comparison tools so you can be sure to find the perfect coverage. To get started, fill out the form above or call us directly at 855-694-0047 to get started!

Does Commercial Insurance Cover Vehicles?

Food truck business owner holding pizzas in front of a vehicle. Text reads, "Does business insurance cover vehicles?" Commercial insurance, also known as business insurance, is essential to protect your company against a variety of risks. However, a question often arises— does commercial insurance cover vehicles? Understanding the various aspects of commercial auto coverage within a business insurance policy can help you avoid costly gaps in coverage. In this blog, we explore the relationship between commercial insurance and vehicles and why commercial auto insurance might be necessary for your company.

Understanding Commercial Insurance 

Commercial insurance is a type of comprehensive policy used by business owners to protect organizations from various financial losses. Losses include things like property damage, theft, workplace injuries, liability claims, and much more. Oftentimes commercial insurance policies are bundled to include a variety of different coverage types. These comprehensive policies are often referred to as business owner’s policies (BOPs) and they typically include: 

 

 

  • Property Insurance: Provides coverage for damage to equipment, buildings or any other assets owned by a business. Typical accidents covered include fires, theft and natural disasters. 
  • Liability Insurance: Protects companies from any claim involving injuries or property damages caused by the businesses employees, products or operations.
  • Workers’ Compensation: Covers the medical costs and a portion of lost wages to employees who get injured or sick on the job.
  • Business Interruption Insurance: If a business is forced to close down temporarily, this coverage will provide compensation for lost income. Examples of reasons a business might need to close down are natural disasters, or fires. 

There are also other more specialized types of commercial insurance that can be crucial depending on the industry you work in. These include professional liability insurance and cyber liability coverage. Additionally, companies that regularly use vehicles in their daily operations need specialized coverage too. This is where commercial auto insurance comes into play. 

What is Commercial Auto Insurance? 

Commercial auto insurance is designed to protect vehicles used for business purposes. Unlike personal automobile coverage, it covers a broader range of business-related risks.

 

For example, if you have a fleet of freight trucks, delivery trucks, use your personal vehicle for work purposes, or have staff driving company White commercial van driving on the highway. cars, a commercial auto coverage will ensure that these vehicles are fully protected. There are also many cases where commercial auto insurance is actually required by law. This includes: 

 

  • Company-owned vehicles being used for deliveries or client visits.
  • Any personal vehicles that are commonly used for business purposes.
  • Heavy-duty vehicles like semi-trucks or commercial trailers.
  • Vehicles that employees drive on behalf of a business.

Keep in mind that every state and industry has different rules and regulations, so we also recommend looking up your local laws to avoid legal issues. 

When Does Commercial Insurance Cover Vehicles? 

Although business insurance covers a variety of risks discussed above, vehicle coverage is usually excluded. There are some cases where a BOP or general liability policy may offer some coverage for vehicles occasionally used for business purposes, but this is not common. Even in these cases, the coverage is usually limited and won’t cover vehicles that are used on a regular basis by the business. 

 

With all this being said, businesses using vehicles in their operations regularly need specialized commercial automotive protection. Otherwise, you run the risk of paying out of pocket in the case of an accident. 

What Does Commercial Auto Insurance Cover? 

A commercial auto insurance policy provides complete coverage for vehicles utilized for business purposes. Typical coverage includes:

 

  • Liability Coverage: This coverage protects against bodily harm or property damage if you are the driver at fault in an accident. 
  • Physical Damage Coverage: This coverage includes both collision and comprehensive coverages for vehicle damage. Collision insurance covers damage to your vehicle from hitting another object or vehicle, regardless of who’s at fault. Comprehensive coverage protects your vehicle from events outside of your control including theft, vandalism, fire, an animal being hit and more.  
  • Uninsured/Underinsured Motorist Coverage: This policy protects your company if an employee is involved in an accident with an uninsured or underinsured driver.
  • Employee Coverage: Provides protection for employees who drive company-owned automobiles.
  • Additional Coverage Options: To assure complete coverage, you can add services such as rental reimbursement and roadside assistance to your plan. 

Do You Need Commercial Auto Insurance? 

Deciding on whether or not your business needs commercial auto insurance depends solely on how vehicles are used within your daily operations. If the company uses vehicles for transportation, delivery, or regular travel, a commercial vehicle policy is essential. On the other hand, relying entirely on a personal auto policy for business purposes leads to big financial risks. 

 

If you still aren’t sure about your business and it’s needs relating to auto coverage, ask yourself the following questions: 

 

  • Do you or your staff drive for business purposes? 
  • Is your personal vehicle routinely used for work-related purposes? 
  • Are there any company-owned vehicles in your fleet? 

If you answered yes to any of these questions, commercial auto insurance is likely a good investment.

 

Pen and car key resting on an auto insurance document

Protecting Your Business: Steps to Take

To guarantee that your business is properly insured, take the following steps: 

 

  • Examine your current insurance policy to detect any gaps in vehicle coverage.
  • Assess your company’s vehicle usage to decide whether a commercial auto policy is required.
  • Consult with an insurance agent to create a commercial auto insurance plan that is tailored to your specific business needs.

Final Thoughts

Commercial auto insurance is an important aspect of protecting your business, but typical business insurance policies tend to fall short. Whether you use personal cars for business or operate a fleet of commercial vehicles, you must have the proper insurance in place. Understanding the significance of commercial auto insurance can help you protect your organization from vehicle-related dangers and ensure your company is protected from all angles. 

While researching and shopping for insurance policies can be daunting, it doesn’t have to be. Using EZ.Insure to compare quotes and coverage types makes the process easy. We offer side-by-side comparisons, so no matter how big or small your business is, they’ll be something for you. We also have a team of dedicated insurance professionals who are always on hand to walk you through the process. So take the next step in protecting your business and its assets today by visiting us at EZ.Insure. To get started, simply enter your ZIP code at the top of the screen or give us a call at 855-694-0047.

Business Insurance By Industry

A modern, high-rise building backdrop emphasizes the concept of business insurance tailored by industry. The image highlights the title 'Business Insurance By Industry' with the ez.insure logo centered below it. The design reflects a professional and industry-specific approach to business insurance solutions, with the website URL at the bottom

Embarking on a business venture is an exciting journey filled with possibilities and opportunities. However, it’s essential to be prepared for the unexpected challenges that may arise. One crucial aspect of this preparation is securing the right business insurance. Each industry faces unique risks. So, understanding the types of insurance coverage needed is key to safeguarding your business. As well as ensuring its long-term success. In this article, we’ll explore common business industries and the types of business insurance they may need. Shedding light on why these policies are essential.

Types Of Business Insurance

Before we go over what types of insurance different industries need. Let’s look at the different types of business insurance policies available.

General Liability Insurance

General liability insurance is a fundamental type of business insurance. It provides coverage for a range of common risks and liabilities faced by businesses. Also known as commercial general liability (CGL) insurance. It is designed to protect businesses from financial losses associated with third-party claims of bodily injury, property damage, and personal injury. General liability typically covers:

Bodily Injury

Bodily injury coverage helps protect your business in the event that someone is injured on your premises or as a result of your business operations. This coverage can help pay for medical expenses, and legal fees. As well as any potential settlements or judgments if your business is found liable for the injury.

Property Damage

Property damage coverage provides protection if your business causes damage to someone else’s property. This could include damage to a client’s home or office space. Or damage to other physical assets belonging to third parties.

Personal and Advertising Injury

Personal and advertising injury coverage is designed to protect against non-physical injuries, such as libel, slander, or infringement of copyright. If your business is accused of damaging another party’s reputation through advertising or other communications, this coverage can help cover legal costs.

Legal Defense

General liability insurance typically covers the costs of legal defense, including attorney fees, court expenses, and settlements or judgments. This is crucial for businesses facing lawsuits, even if the claims are ultimately determined to be groundless.

Product and Completed Operations

If your business manufactures, sells, or distributes products, or if you provide services, products and completed operations coverage can protect against claims arising from defects in products or services that cause bodily injury or property damage.

Medical Payments

Medical payments coverage helps pay for medical expenses if someone is injured on your premises. Regardless of who is at fault. This coverage is usually more limited than bodily injury coverage, but can provide swift reimbursement for minor injuries without the need for a lawsuit.

Business Property Insurance

Business property insurance, also known as commercial property insurance, is a type of insurance coverage that protects a business’s physical assets. Including buildings, equipment, inventory, furniture, and other property, against various risks and perils. This insurance is crucial for businesses to recover from financial losses that may result from damage or loss of property due to covered events. The key coverage of business property insurance are:

 

  • Physical Assets – Business property insurance provides coverage for the physical assets owned or leased by a business. This includes the building itself, if applicable, as well as contents such as inventory, equipment, furniture, fixtures, and signage.
  • Covered Perils – Policies typically specify the perils or events that are covered. Common covered perils include fire, theft, vandalism, windstorms, hail, explosions, and certain types of water damage. It’s important for businesses to carefully review and understand the specific perils covered by their policy.
  • Business Interruption – Many business property insurance policies include business interruption coverage. This component helps businesses recover lost income. And cover ongoing expenses if the business is temporarily unable to operate due to a covered event, such as a fire or natural disaster. It can include coverage for rental income, payroll, and other fixed costs.
  • Replacement Cost – Business property insurance policies may offer coverage based on either replacement cost or actual cash value. Replacement cost coverage reimburses the cost to replace or repair damaged property without deducting for depreciation, providing a more comprehensive form of coverage. Actual cash value coverage considers depreciation, resulting in a lower reimbursement amount.

Cyber Liability Insurance

Cyber liability insurance is a type of insurance coverage designed to protect businesses from financial losses and liabilities associated with cyber-related risks and events. As businesses increasingly rely on technology and digital assets. The exposure to cyber threats such as data breaches, hacking, and other cybercrimes has become a significant concern. Cyber liability insurance helps businesses mitigate the financial impact of these risks by providing coverage for various expenses and liabilities.

 

  • Data Breach Response – Coverage for expenses related to responding to a data breach. This may include the costs of notifying affected individuals, providing credit monitoring services, and managing public relations efforts to minimize reputational damage.
  • Legal and Regulatory Expenses – Protection against legal costs and regulatory fines that may result from a data breach or other cyber incident. Cyber liability insurance can cover the expenses associated with legal defense, investigations, and compliance with data breach notification laws.
  • Data Restoration – Coverage for the costs of restoring or recreating lost or damaged data as a result of a cyber incident. This may include expenses related to data recovery and reconstruction efforts.
  • Business Interruption – Compensation for financial losses resulting from a cyber incident that disrupts business operations. This coverage can help replace lost income and cover ongoing expenses during the period when the business is unable to operate normally.
  • Cyber Extortion – Protection against costs associated with cyber extortion attempts, such as ransomware attacks. This coverage may include payments made to cybercriminals to restore access to data or systems. As well as expenses related to negotiating with extortionists.
  • Forensic Investigations – Reimbursement for the costs of investigating a cyber incident to determine the extent of the breach, identify the source of the attack, and implement measures to prevent future incidents.

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions (E&O) insurance, is a type of insurance coverage designed to protect professionals and businesses that provide professional services from claims of negligence, errors, or omissions in the course of their work. This insurance is particularly relevant for individuals and companies in service-based industries where clients rely on their expertise and advice.

 

  • Professional Negligence – Coverage for claims arising from alleged professional negligence, errors, or mistakes in the performance of professional services. This can include errors in judgment, faulty advice, or failure to meet the standard of care expected in the industry.
  • Legal Defense Costs – Reimbursement for legal expenses associated with defending against claims of professional negligence. This can include attorney fees, court costs, and settlements or judgments resulting from lawsuits.
  • Breach of Duty – Coverage for claims related to a breach of professional duty. This could involve a failure to perform services as promised, failure to meet contractual obligations, or other breaches of professional duty.
  • Defamation – Protection against claims of defamation, libel, or slander arising from the provision of professional services. This coverage can address legal costs and settlements associated with damage to a person’s reputation.
  • Copyright Infringement – Coverage for claims of copyright infringement related to the creation or dissemination of professional work. This is particularly important for professionals in creative industries where intellectual property is a significant concern.

Workers’ Compensation Insurance

Workers’ compensation insurance, commonly referred to as workers’ comp, is a type of insurance that provides financial and medical benefits to employees who suffer job-related injuries or illnesses. It is a crucial component of the social safety net and is designed to protect both employees and employers. It helps injured or ill employees by providing coverage for medical expenses, rehabilitation costs, and a portion of lost wages. At the same time, it protects employers from lawsuits related to workplace injuries.

 

  • Medical Benefits – Workers’ compensation insurance covers the costs associated with medical treatment and care for work-related injuries or illnesses. This includes doctor visits, hospital stays, surgeries, medications, rehabilitation, and other necessary medical services.
  • Income Replacement – If an employee is unable to work due to a work-related injury or illness, workers’ compensation provides partial wage replacement. Typically, a percentage of the employee’s pre-injury wages is paid to help cover living expenses during the period of disability.
  • Disability Benefits – Disability benefits are provided to employees who experience a temporary or permanent disability as a result of a work-related injury or illness. The level of disability benefits is determined by the severity and nature of the disability.
  • Death Benefits – In the unfortunate event of a fatal workplace injury or illness, workers’ compensation insurance provides death benefits to the surviving dependents of the deceased employee. This includes compensation for funeral expenses and financial support for the dependents.

Business Interruption Insurance

Business interruption insurance, also known as business income insurance, is a type of insurance coverage that provides financial protection to businesses in the event of a covered loss that disrupts their normal operations. This coverage is designed to help businesses recover from the financial impact of a temporary suspension of operations due to covered perils, allowing them to maintain financial stability during a challenging period.

 

  • Income Loss – Business interruption insurance covers the loss of income that a business may experience due to a covered event, such as a fire, natural disaster, or other insured peril. This coverage extends to the profits that would have been earned during the period of interruption.
  • Fixed Costs – In addition to income loss, the policy typically covers certain fixed costs that continue even when operations are temporarily halted. This can include rent or mortgage payments, utilities, and certain other ongoing expenses necessary for the business to resume normal operations.
  • Covered Perils – Business interruption insurance is triggered by specific perils or events that are covered by the policy. Common covered perils include fires, natural disasters, vandalism, and other events as outlined in the insurance contract. It’s important for businesses to understand the perils covered and, if needed, consider additional endorsements for specific risks.

Product Liability Insurance

Product liability insurance is a type of insurance coverage designed to protect businesses from financial losses and legal liabilities arising from claims related to defects or problems with products they manufacture, distribute, or sell. This insurance is crucial for businesses involved in the production and sale of goods, as it helps mitigate the financial impact of legal expenses, settlements, or judgments resulting from product-related claims.

 

  • Bodily Injury and Property Damage – Product liability insurance provides coverage for claims related to bodily injury or property damage caused by a defect in a product. If a product is found to be defective and causes harm to a consumer or their property, the insurance can help cover the associated medical expenses, repair costs, or legal fees.
  • Legal Defense – One of the primary benefits of product liability insurance is the coverage for legal defense costs. If a business faces a lawsuit related to a defective product, the insurance will typically cover the expenses associated with hiring attorneys, court fees, and other legal costs.
  • Manufacturing or Design Defects – Product liability insurance typically covers claims arising from both manufacturing defects and design defects. Manufacturing defects occur during the production process, while design defects are inherent flaws in the product’s design that make it unreasonably dangerous.

Employment Practices Liability Insurance (EPLI)

EPLI is a type of insurance coverage designed to protect businesses and employers from the financial consequences of employment-related lawsuits. These lawsuits can arise from various employment-related issues, such as wrongful termination, discrimination, harassment, retaliation, and other violations of employment laws. EPLI provides coverage for legal defense costs, settlements, and judgments associated with such claims.

 

  • Wrongful termination claims – Protection against claims of wrongful termination or dismissal, where an employee alleges that their termination violated employment contracts, implied contracts, or anti-discrimination laws.
  • Discrimination claims – Coverage for claims of discrimination based on factors such as age, gender, race, religion, disability, or other protected characteristics. EPLI helps businesses address allegations of discriminatory practices in hiring, promotions, and other employment decisions.
  • Harassment claims – Protection against claims of workplace harassment, including sexual harassment or other forms of harassment that create a hostile work environment. EPLI assists in covering the costs associated with investigations, legal defense, and potential settlements.
  • Third-party liability – Some EPLI policies may provide coverage for claims brought by non-employees, such as clients, customers, or vendors, alleging wrongful employment practices.

Commercial Auto Insurance

Commercial auto insurance is a type of insurance coverage designed to protect businesses and their vehicles used for business purposes. This insurance provides financial protection in the event of accidents, injuries, or property damage involving vehicles owned or operated by a business. Commercial auto insurance is crucial for companies that rely on vehicles for various business activities. Including transportation of goods, services, or employees.

 

  • Business Owned Vehicles – Commercial auto insurance covers vehicles owned or leased by a business and used for business purposes. This can include cars, trucks, vans, and other types of vehicles essential to the business’s operations.
  • Liability – Liability coverage is a fundamental component of commercial auto insurance. It provides protection against bodily injury and property damage that the business may be legally responsible for in the event of an accident. This coverage helps pay for medical expenses, repair costs, and legal expenses associated with third-party claims.
  • Collision – Collision coverage is designed to cover the cost of repairs to a business-owned vehicle in the event of a collision, regardless of who is at fault. This coverage helps businesses get their vehicles back on the road quickly after an accident.
  • Uninsurance/Underinsured Motorist – This coverage protects the business and its drivers in the event of an accident with a driver who either has no insurance or insufficient insurance to cover the damages. Uninsured/underinsured motorist coverage helps bridge the gap in such situations.

Industries

As we said, every industry is different. While most policies can help all of these industries there are certain policies that each industry needs more than the others.

Retail

The retail industry is a dynamic and ever-evolving sector that thrives on customer interactions, sales, and the management of diverse inventory. Amidst the excitement of running a retail business, it’s crucial for owners to prioritize risk management by investing in the right insurance policies. From protecting against potential liabilities to mitigating financial losses. A tailored insurance strategy can be the key to long-term success in the retail landscape. Retail companies typically need:

 

  • General liability insurance.
  • Commercial property insurance.
  • Workers compensation insurance.
  • Business interruption insurance.
  • Product liability insurance.
  • Cyber liability insurance.

Professional Offices

The professional office industry is a diverse and dynamic sector encompassing various professions. From legal and accounting services to consulting and creative endeavors. Amid the hustle and bustle of daily operations, it’s paramount for professionals in this industry to prioritize risk management by investing in the right insurance policies. From protecting against potential liabilities to mitigating financial losses, a well-tailored insurance strategy is crucial for ensuring the sustained success of professional offices. These types of companies need:

 

  • Professional liability insurance.
  • General liability insurance.
  • Cyber liability.
  • Business property insurance.
  • Workers’ compensation insurance.
  • Employment practices liability insurance (EPLI).

Construction

The construction industry is a powerhouse of growth and development, transforming blueprints into structures that shape communities. Amid the dynamism and innovation, construction businesses face a myriad of risks that can impact projects, finances, and reputations. To safeguard against unforeseen challenges, it’s crucial for construction companies to have a robust portfolio of business insurances. From protecting against accidents on the job site to addressing potential legal liabilities, the right insurance coverage is the cornerstone of a successful construction business.

 

  • General liability.
  • Commercial property.
  • Workers’ compensation.
  • Professional liability.
  • Commercial auto.

Food Service

The food service industry is a vibrant and dynamic sector, offering a myriad of culinary delights to consumers worldwide. While chefs and restaurateurs focus on creating exceptional dining experiences. It’s equally crucial for businesses in the food service industry to prioritize risk management through comprehensive business insurance. From protecting against liability claims to ensuring the safety of employees and patrons. The right insurance coverage is the key ingredient for sustained success in the food service realm.

 

  • General liability insurance.
  • Commercial property insurance.
  • Business interruption insurance.
  • Product liability insurance.
  • EPLI

Working With EZ

In every industry, the importance of business insurance cannot be overstated. These policies act as a safety net. Providing financial protection and peace of mind as you navigate the challenges of running a business. Whether you’re in retail, technology, construction, healthcare, or any other industry. Understanding your unique risks and securing the appropriate insurance coverage is a proactive step toward building a successful business. Consult with insurance professionals to tailor a policy that suits your specific needs. Ensuring that your business is well-prepared for whatever the future may hold.

 

No matter what type of business insurance you need, EZ can help. Our agents work with the top insurance companies nationwide to make sure you find the best insurance for your business. In fact, we can save you hundreds of dollars a year by working with your budget to find you the best coverage. If you have questions, feel free to give us a call at 877-670-3538 or enter your zipcode into the box below for free instant quotes.

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