Commercial Auto Insurance in Stratford, CT
If your business operates in Stratford, Connecticut, and relies on vehicles for deliveries, transportation or service calls, commercial auto insurance is likely an essential part of how you manage the financial risk of vehicle operation.
Commercial Auto Insurance Costs
The cost of commercial auto insurance varies based on several factors. One important consideration is the size and type of your business fleet. A company with several service vans will be evaluated differently than a business using one or two sedans for sales visits. The make, model and current value of each vehicle are also important.
Where your business operates also affects pricing. Local traffic patterns, road conditions and weather can influence how insurance companies evaluate risks in the Connecticut area.
In addition to vehicle types and location, how you use your vehicles matters. Whether transporting tools to job sites or delivering goods across the state, the purpose and frequency of use can influence your premium. Drivers’ histories, how far they travel and how often the vehicles are on the road contribute to the total cost.
Who Needs Commercial Auto Insurance?
Commercial auto insurance is appropriate for any company that uses vehicles for work-related tasks, including vehicles owned by the company, rented for temporary use and personal cars used to run work errands.
If your employees drive their own cars to client meetings or transport supplies between job sites, your business may still have a reason to consider commercial coverage. The same goes for businesses that provide cars to employees for both business and limited personal use. Even personally owned vehicles, such as large vans or heavy-duty trucks, may qualify as commercial if they meet certain weight or usage thresholds.
Contact Us
While coverage options can be tailored to your business, finding a balance between what’s needed and what fits within your budget is possible.
Contact AJ Gambardella Associates, LLC for a personalized commercial auto insurance quote.