April 2017

20
Apr

Reduce Risk to Your Commercial Vehicles

Your business may rely on its vehicles to deliver your product or service, so it pays to know how you can reduce risk to your commercial vehicle.

Commercial auto insurance can protect your commercial vehicles should they get into an accident. Whether you use your personal vehicle to go to and from meetings or own an entire fleet of commercial vehicles, you need to purchase commercial auto insurance to protect them. While a commercial auto insurance policy can offer protection, it is best to avoid accidents and protect your employees and vehicles. Here are a few tips on how you can reduce risk to your commercial vehicles and employees.

Vehicle Use Regulations

While some work rules may be more flexible, these vehicle regulations should have no wiggle room.

  • Only use business vehicles for business. In order for coverage to apply, ensure that vehicle use relates only to business. Employees should use their personal cars for personal use.
  • Lock the vehicle at all times. Employees need to lock the doors at all times, especially when they are on the job. When permissible, cars should be parked in a secure and well-lit area.

Employee Driving Rules

  • No cellphones. Distracted driving is a real threat that plagues almost every driver. It is the leading cause of accidents and actually banned in many states across the nation. Even if it is legal in your state, prohibit your employees from using their cellphones while on the road.
  • Seat belts are mandatory. Seat belts are the law in nearly every state. Seat belts have prevented deaths and have limited the severity of injuries for decades. There is no reasonable excuse for not wearing a seat belt.

Your business depends on its commercial vehicles to deliver its services, ensure that your employees know how to stay safe. Make sure that your small business is protected with the right commercial auto insurance policy. Contact Abatelli Group, Inc. for a proper policy on your insurance needs.

6
Apr

How to Find Business Insurance That Matches Your Business

Every business is different and requires different levels of coverage, which is why it is important that you find the appropriate coverage that matches your business. 

Your small business can come in countless sizes, and for every size there is a small business insurance plan that is right for you. The coverage that is right for your business depends on a few factors like your business type, where it’s located, and whether or not you have employees. If you want to purchase the right business insurance that matches your business, take these tips into consideration.

Finding Insurance for Your Business

Home-Based Businesses

Many successful businesses started from the safety and convenience of their home. Normally, home-based businesses consist of zero or one employee and generate relatively little revenue. But that doesn’t mean home-based businesses should go uninsured. Homeowners insurance will not cover liability or damage done to your home-business’ equipment. You have to ensure that you purchase a business insurance policy that covers your home-based needs.

Small Businesses

Many insurers consider a business with 50-100 or fewer employees to be a “small business.” A very common small business policy is called a “business owners policy,” or BOP. If you have fewer than 100 employees and only make a revenue of up to $5 million, a BOP may be right for you. Every business is unique, and a BOP may not suffice. You can customize your insurance policy to meet all of your business’ requirement to ensure that it is safe from all the risks that pose a threat.

No matter the size of your small business, you can count there’s a business insurance policy to match its needs. Make sure that your small business is protected with the right commercial insurance policy. Contact Abatelli Group, Inc. for a proper policy on your insurance needs.