For businesses in Ashland, KY, and the surrounding areas, vehicles are often an essential part of daily operations. Whether you’re running deliveries, transporting goods, or providing services, your business vehicles are exposed to risks every time they hit the road. At Greg Gibson Insurance & Financial Services, we understand the importance of protecting your business with commercial auto insurance tailored to your needs.
What Is Commercial Auto Insurance?
Commercial auto insurance is designed specifically for vehicles used in business operations. Unlike personal auto insurance, it provides coverage for vehicles owned or leased by your business, as well as employees who drive them. This type of insurance can cover liability, physical damage, medical expenses, and even uninsured motorist claims.
Why Businesses in Ashland Need Commercial Auto Insurance
Eastern Kentucky’s unique geography and economy make commercial auto insurance a necessity for many local businesses. Here are a few reasons why:
- Heavy Traffic on Major Routes: With Ashland’s proximity to US Route 23 and Interstate 64, business vehicles are often exposed to high traffic volumes, increasing the risk of accidents.
- Weather-Related Risks: Kentucky’s unpredictable weather, including icy roads in winter and heavy rain in spring, can lead to accidents or vehicle damage.
- Local Industries: Businesses in industries like construction, agriculture, and logistics often rely on trucks and other vehicles to operate efficiently, making coverage essential.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance can provide coverage for:
- Liability: Protects your business if your vehicle causes damage to another person or property.
- Physical Damage: Covers repairs or replacement costs for your business vehicle after an accident.
- Medical Payments: Helps cover medical expenses for injuries sustained in an accident.
- Uninsured Motorist Coverage: Protects your business if an uninsured driver causes an accident.
Protect Your Business with Greg Gibson Insurance
At Greg Gibson Insurance & Financial Services, we help Ashland businesses find commercial auto insurance that fits their unique needs. You can be operating a single vehicle or an entire fleet, we’ll work with you to ensure your business is protected. Contact us today to learn more about your options and safeguard your business on the road.
