Traveling pet services are a more popular option than ever before. From vets to groomers, these individuals go from one area to the next to provide care to pet owners. They visit homes. They visit shelters.
If this is the type of business you have, adequate commercial auto insurance is critical. This coverage might protects the vehicle you use to provide the service. Customize your commercial auto insurance to fit the unique features of your business driving.
Protecting the Vehicle Itself
If you're looking to insure a mobile pet service, make sure to protect the vehicle you use for business. This is important whether you're a vet, groomer or another provider. Some vehicles are significantly more valuable than typical cars. Others might be as extensive as a recreational vehicle.
The policy should ideally offer coverage to replace the vehicle if a significant loss occurs. Look for coverage that:
- Protects from collisions, or instances when you hit another driver
- Protects from fire, theft, vandalism, storms and other non-accident damage
- Protects from underinsured or uninsured motorists that strike your vehicle
Comprehensive coverage is necessary in these situations. Look for a plan that adequately represents your vehicle's worth.
Protecting the Contents
Groomers and vet providers often carry a significant amount of equipment on board. For example, a vet clinic on wheels has a large amount of medical supplies and equipment on board. The commercial auto insurance policy needs to cover it.
Extending the coverage with a rider may be necessary. A typical contents policy may not be enough.
Protecting from Liability Risks
There is a fine line between business liability insurance and commercial auto liability. Commercial auto insurance liability coverage protects your business when you cause damage to someone else while on the move. Traffic accidents are a good example of this. Your at-fault accident may harm others or damage their property.
Commercial auto liability insurance does not cover all business-related incidents. If you hurt a pet, for example, your business liability insurance (not your auto insurance policy) might provide coverage. Auto liability insurance often does not cover incidents that happen in your own vehicle either. Again, other portions of your commercial auto insurance policy often do so. Auto liability policies generally only apply to the risks you pose to others.
Discuss your business' specific risks with your insurance agent. Your agent then can help you protect both your own property and risks you pose to others.
We can help. Call Dean, Heckle & Hill, Inc. at (704) 847-4438 for a free Charlotte NC commercial auto insurance quote.