Great Rates On Louisiana Business Auto Insurance!
Jeff Davis Insurance offers commercial auto insurance for every type of business. We offer coverage for single vehicles as well as fleets.
Please note only a few examples of available commercial auto programs:
- Louisiana Commercial Auto Insurance for Painters
- Commercial Auto Insurance for Electricians Louisiana
- Commercial Auto Insurance for Roofers Louisiana
- Commercial Auto Insurance HVAC Louisiana
Call the licensed agents at Jeff Davis Insurance at 337-824-4455 for your Louisiana commercial auto insurance needs.
Who Needs Commercial Auto insurance in LA?
Some small business owners believe that purchasing a commercial auto insurance policy is not necessary because employees use their own vehicles in their business activities, or they believe their personal automobile policy is sufficient.
Is that accurate? Let’s consider a claim scenario to set the stage to discuss this important question.
Claim Scenario – Axis X-Ray Services Inc. is a relatively new business venture offering portable x-ray services to nursing homes. The owners John Carter and Beatrice Smith are partners and Beatrice speaks with her insurance agent to learn what coverage would be necessary to cover the three company cars they purchase for themselves and their one part-time employee.
Beatrice’s agent, Billy Sampson is a relatively new agent working for a well-known company and because he has a quota to reach each month for new business he assures Beatrice that purchasing a separate personal auto policy would do the trick.
Beatrice following the advice of Billy and purchases a brand-new auto policy with the three new vehicles listed along with Beatrice.
As soon as Beatrice received your policy in the mail she calls Billy up asking him why her business partner and her employer are not listed on the policy and he assures Beatrice that she merely needs to give permission to her partner and employee for them to be covered.
Beatrice accepts this explanation from Billy.
About seven months later as John is driving to his next appointment at Rest Easy Nursing Homes in his company car he fails to yield to a truck that had the right-of-way as they were merging on the highway.
John’s company car is totaled, along with $25,000 worth of x-ray equipment in the vehicle and the truck John hit only had minor damage.
A claim is turned in to Beatrice’s insurance company for the lost x-ray equipment plus the value of his company car which is worth about $15,000 at the time of the accident.
Will Beatrice personal automobile policy pay for the loss of their company vehicle and the $25,000 worth of x-ray equipment?
We will learn the answer to this important question in our next article.
When Looking for Commercial Auto Insurance Companies in Louisiana Call Us First!
The agents at Jeff Davis Insurance are ready to help you with your business insurance needs.
Call us at 377-824-4455 Monday through Friday from 8 am to 4:30 pm.
Need insurance in a specific area? View our location list below:
- Commercial Auto Insurance New Orleans
- Baton Rouge Commercial Auto Insurance
- Shreveport Business Auto Insurance
- Business Auto Insurance Lafayette Louisiana
- Business Auto Insurance Jennings Louisiana