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The Basics of Commercial Insurance

Right Coverage for your Commercial Insurance

As a business owner, it is important to ensure all aspects of your company are insured.

Addressing these concerns and the need for insurance early on can potentially save you a few bucks and prevent additional worry.

Determining the kinds of coverage you need is the first step. Professional liability? Worker’s compensation? Commercial insurance? Chances are that if you own a business and have a vehicle that is used for work purposes, you or your company will need to carry commercial  insurance. Since this type of insurance can be vital to your business, you will want to work with an independent agent who can help you determine the best protection for your company, taking into consideration both industry and size of the business.

Below are a few tips to help you find the agent that will help you find the right coverage:

Commercial Insurance Auto Accident

  • Unbiased is Best! An independent agent represent several difference insurance companies, allowing them to compare and contrast several different package options for your company’s needs. As opposed to a captive agent–who only represents one insurance company–an independent agent can be more flexible, finding the best fit for your business.
  • Go World Wide — on the Web. Visiting the website of a larger insurance company can provide further insight to available coverage options. From there, look locally for an agent close to home.
  • Ask Around. It’s quite probable that fellow business owners or professional acquaintances are using insurance agents for the same reason you need to use them. Ask for a referral and get a trusted suggestion.

Regardless of your choice of agent, keep in mind that your insurance needs are unique to your business. There is no “one size fits all” option. As your business grows and changes, your coverage needs will do the same. Be sure to follow up with your agent to ensure your protection is up to date.

Call Insurance Town & Country today and speak with one of our insurance professionals. We can help you determine the commercial auto insurance that best suits your company’s needs. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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    Company Changes May Affect Commercial Auto Insurance

    Commercial Auto Insurance is a vital part of any mobile business’s operations.  At Insurance Town & Country, we get to know the needs of your small business and find a customized Commercial Auto Insurance plan that makes sense and saves you money.  When creating a custom policy for your commercial automobile or automobiles, there are several coverage options. Each of the following coverages, among others, are available, Bodily Injury Liability, Property Damage Liability, Medical Payments, Comprehensive Coverage, Collision Coverage, GAP Coverage, Uninsured and Underinsured Motorist Bodily Injury Coverage, and Bailee Coverage.

    Your business may require a more specific policy addition not listed above.  We encourage anyone reviewing their Commercial Auto Insurance policy to contact us and ask questions about their coverage and coverage opportunities, because changes in your business model, recent business growth or reduction, and location/distribution may affect the type of policy or policy additions that you need.

    It is our job to make sure that you know how to thoroughly protect your business in the case of an incident.  So, give us a call at 303–388-7216 or shoot us an email at so that we can review your policy together, answer any questions you may have, provide you with an accurate quote for your company, and help you made a smart insurance decision.


    Commercial Auto Insurance: The Admiral of Your Fleet

    Like how an Admiral is depended to protect his fleet, Commercial Auto Insurance protects your company’s fleet in the case of an accident.  By insuring your vehicles, products, and employees with Commercial Auto Insurance, you prevent losing your hard-earned revenue due to an auto accident that causes property or vehicle damage, bodily injury, legal costs, and more.  If you have a mobile business, consider taking additional precaution with a custom plan that includes:

    • Bodily Injury Liability
    • Medical Payments
    • Personal Injury Protection (PIP) Coverage
    • Comprehensive Coverage
    • Collision Coverage
    • GAP Coverage
    • Uninsured and Underinsured Motorist Coverage

    Let Insurance Town and Country take the wheel and guide your company through the storm.  Give us a call at 303–388-7216 or request a free quote online, today!