[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/blinsuranceadvisors.com\/2022\/10\/14\/why-your-small-business-needs-commercial-auto-insurance\/#BlogPosting","mainEntityOfPage":"https:\/\/blinsuranceadvisors.com\/2022\/10\/14\/why-your-small-business-needs-commercial-auto-insurance\/","headline":"Why Your Small Business Needs Commercial Auto Insurance","name":"Why Your Small Business Needs Commercial Auto Insurance","description":"If your small business owns, leases, or rents any vehicles, you need Commercial Auto Insurance. If you are looking for the right Commercial Auto Insurance policy for\u00a0 your New Jersey company, contacting Blue Lion Insurance Advisors at (732) 649-1600\u00a0or online is a smart move. For many years, our company has had a well-earned reputation for...","datePublished":"2022-10-14","dateModified":"2025-07-07","author":{"@type":"Person","@id":"https:\/\/blinsuranceadvisors.com\/author\/elio\/#Person","name":"Elio Vecchiarelli","url":"https:\/\/blinsuranceadvisors.com\/author\/elio\/","identifier":6,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/15c35da080c419503e03feba5465f40e1c34461e8828c512527e237a9019be5b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/15c35da080c419503e03feba5465f40e1c34461e8828c512527e237a9019be5b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Blue Lion Insurance Advisors","logo":{"@type":"ImageObject","@id":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2020\/04\/blue-lion-logo.png","url":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2020\/04\/blue-lion-logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2022\/12\/iStock-1085031574-e1686074360812.jpg","url":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2022\/12\/iStock-1085031574-e1686074360812.jpg","height":418,"width":836},"url":"https:\/\/blinsuranceadvisors.com\/2022\/10\/14\/why-your-small-business-needs-commercial-auto-insurance\/","about":["Commercial Auto Insurance"],"wordCount":636,"articleBody":"If your small business owns, leases, or rents any vehicles, you need Commercial Auto Insurance. If you are looking for the right Commercial Auto Insurance policy for\u00a0your New Jersey company, contacting Blue Lion Insurance Advisors at (732) 649-1600\u00a0or online is a smart move.For many years, our company has had a well-earned reputation for integrity, outstanding customer service, and providing our clients with high-quality insurance policies. Because we are not affiliated with any particular insurance provider, we are able to offer you a broad range of Business Auto Insurance policies from numerous companies and always make your satisfaction our top priority.Advantages of Commercial Auto InsuranceWhile Commercial Auto Insurance typically costs more than Personal Auto Insurance, it offers a number of advantages to small businesses, whether they have a single delivery car or van, or several specialized vehicles. Among these advantages are:Superior coverage for all company vehicles\u00a0Coverage for multiple driversCoverage for several types of cars, trucks, vans & other vehicles (e.g. dump trucks)Inclusive coverage, even for employees with poor driving recordsCoverage of vehicles used to transport goods or equipment.Business Auto Insurance covers both liability and physical damage for all company vehicles. The reason commercial vehicles require a separate policy is that they are typically exposed to more risks than personal vehicles.\u00a0For example, commercial vehicles often cover more miles, travel longer distances, spend large amounts of time in heavy stop-and-go traffic or double-parked, and may be driven on more difficult terrain than personal vehicles. Business vehicles are also most often used by various drivers, some of whom may be inexperienced or unfamiliar with the type of vehicle they are asked to drive.Don\u2019t make the mistake of thinking that because you don\u2019t own a fleet, or use a tractor or food or utility truck, you don\u2019t require Commercial Auto Insurance. Even if you use a single business car to run errands, transport clients, or carry merchandise or tools, your company needs the protection of Commercial Auto Insurance.\u00a0What Commercial Auto Insurance CoversAs long as a vehicle is owned, leased, or rented by your company, your business will be held liable for any property damage or personal injury it causes in accidents and for any legal expenses it incurs. For this reason, it\u2019s essential to have proper insurance coverage for:Bodily injury to cover medical and other costs related to an accident for which you or your driver are found to be at faultMedical payments for personal injury coverage to cover medical expenses of the driver and passengers in your vehicle regardless of faultProperty damage liability coverage if your business vehicle accidentally damages another party\u2019s property\u00a0Legal fees for your defense in a lawsuit after an accidentComprehensive physical damage coverage to pay for damage to your vehicle from weather, theft, vandalism, flood, and fireCollision coverage to pay for damage to your vehicle if it hits or is hit by another objectUninsured motorist coverage to pay for injuries to you or your driver and property damage caused by an uninsured or hit-and-run driverHow Our Insurance Advisors Can HelpWe offer free consultations to discuss the Business Auto Insurance needs of your company, as well as your business\u2019s other insurance needs. You will find us knowledgeable and friendly — no high-pressure tactics here. Once we assist you in finding the policy best suited to your business, we will stand by you if and when you have to make a claim.Contact Our Experienced Commercial Auto Insurance Advisors Today\u00a0The time to make sure your business vehicles are protected by the right Commercial Auto Insurance policy is now. Contact Blue Lion Insurance Advisors to see to it that the Commercial Auto Insurance policy you choose is Blue Lion Strong\u2122."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2022","item":"https:\/\/blinsuranceadvisors.com\/2022\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"10","item":"https:\/\/blinsuranceadvisors.com\/2022\/\/10\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"14","item":"https:\/\/blinsuranceadvisors.com\/2022\/\/10\/\/14\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Why Your Small Business Needs Commercial Auto Insurance","item":"https:\/\/blinsuranceadvisors.com\/2022\/10\/14\/why-your-small-business-needs-commercial-auto-insurance\/#breadcrumbitem"}]}]