Commercial Insurance Policies

Business Insurance Coverages

Why do you need general liability insurance?

General liability insurance is the bread and butter of basic coverage for your business and should be considered if you or your employees:



• Have access to a client’s equipment or data/information
• Visit a client’s place of work or have clients visit yours
• Use other, third-party locations to conduct any business-related activities
• Work with clients that require you to have general liability insurance before entering into a contract

For contractors:

As a contractor, you should carry some form of general liability protection to safeguard you and your livelihood. We know that most contractors can’t afford the costs that can result from a single law suite. We also know that some of your clients might require you to carry a general liability policy before you can work for them. These are all reasons to call Elite Auto Insurance today for a fast and FREE quote.

Commercial Auto Insurance Coverages

When do you need a commercial auto insurance policy?

It can be confusing deciding if you need commercial auto insurance. Here are a few instances where you would need a policy:

• Vehicles are used to conduct a service
• Vehicles are used to haul a significant weight in tools or equipment or they tow a trailer
• Vehicles are used to transport goods or people
• Vehicle ownership is in the name of a corporation or partnership

What Does a Commercial Auto Insurance Policy Cover?

• Comprehensive coverage for collision and other damages
• Liability for bodily injury to others and property damage
• Loading and unloading liability
• Medical payments coverage for hospitalization, treatment, and funeral expenses
• Non-owned auto coverage for rented or borrowed vehicle
• Personal injury to you, your employed drivers, or passengers, including medical expenses and lost wages
• Substitution transportation
• Towing and labor costs
• Uninsured and underinsured motorist coverage