If your employees are involved in an accident or incident on their way to work, they can not file a claim through small business insurance. However, if an employee is driving to deliver or transport a product or to provide a service, commercial auto insurance will give them with coverage in the event they are harmed along the way.
Certain states have requirements for commercial liability insurance, but limits can prevent you from filing claims. If you have a business located in a state with no minimum requirement, you should still purchase a policy to protect your company financially, while simultaneously providing your employees with peace of mind.
Local regulations can also require business owners to purchase coverage for uninsured or underinsured motorist, in addition to collision and comprehensive protection. If these aren’t included in a basic commercial insurance policy, add-on options are likely available. All-inclusive plans can provide the most affordable insurance option, but be aware of limits that may exist and inquire about how filing a claim affects your limits and premiums.