on ee meyee BS_% 3% lelerhome ex sx —-— ws ~ = en ews Ne WI wen Wia 2% 2 'SS3 7h 1A ienmGye 141 4 TAA Wh 14 anAaA Ir mSILOp be &:Notes 8) 2 B33 WX fats MY Mark rh — KY Protect Your Business In Three Easy Steps (NAPSA)—Abusiness is only as safe as the tools it uses. One of the best tools a business can use to protect its assets is commercial auto insurance. Understanding insurance can be tricky. One of the first steps toward making an informed decision is to understand coverage and service options. Here are three easy steps to help figure out your commercial auto insurance needs: 1. Choose an insurer with the right combination of price and ser- vice. Insurance isn’t just about price. It’s about service, too. How are claims handled? Howlongwill it take to get your vehicle back on the road? Can you get questions When choosing an insurance company, don’t just consider price. Service is important, too, since time is money. answered outside of business hours or online? Know the 3. Know how the policy is priced. You can control your insur- 2. Research your policy options. potential drivers. If you let your insurance lapse, you'll probably answers to these questions. Your time is money. Having the right coverage is important. A standard commercial auto policy generally includes coverage for: *injuries or damage that you cause; * your driver’s injuries; *injuries and damages caused by uninsured or underinsured drivers; and edamage to or theft of your vehicle(s). Whenit comes to damage that you cause, you may be required to purchase certain limits based on who you work for. For instance, if you work for certain home builders, you may be required to carry $1 million in liability limits. Consider how much you are willing to pay out of pocket if yourliability in an accident is more than your policy limits. ance costs. To get the best rates, run motor vehicle reports on pay more for your next policy. Ask about discounts, including paid- in-full and renewal discounts. Just like your customers rely on your professional skills, call a professional independent insurance agent who will be in your corner, researching and recommending the best options. “Commercial auto insurance is complicated, but it is vital to protecting your livelihood,” says Bill Kampf with The Progressive Group of Insurance Companies, one of the largest commercial auto insurers in the country. For more information about commercial auto insurance, visit www.progressivecommercial.com. To find an independent insurance agent, visit www.progressive agent.com.
