Tulsa Business Auto Insurance

For many small Tulsa business owners, figuring out what coverage you need for the autos you own and operate is a challenge; after all, you are trying to run a business. Simply put, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a Tulsa business auto insurance policy will depend on the kind of driving you do. Before giving you our opinion we will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. We are happy to explain all the differences and options.

What is business general liability insurance?

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that protects you from general liability exposures of a business. At Tulsa Insurance Guy we recommend that all businesses have general liability coverage in place.

Being sued is probably the last thing on your mind until it happens. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General liability addresses accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, it can be customized to cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.
We can create a personalized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability line:

Cover your business’ property from:

• Fire
• Theft
• Vandalism

Claims due to:

• Bodily injury
• Property Damage
• Negligence