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Growing Your Business

Owning and operating a successful business is an amazingly rewarding experience. However, to stay in business long-term, you need to continuously grow your client base. To do so, you should always strive to provide exceptional customer service to your clientele. You can accomplish this task by training your salespeople well. You should also search for effective ways to advertise your business’s product or service offerings. Some wonderful places to advertise your goods or services include newspapers, magazines, your website, and the social media outlets you engage in. On this blog, I hope you will discover smart tips to help you succeed in business.

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Growing Your Business

You Might Need Commercial Car Insurance And Not Know It

by Claude Medina

Car insurance is a tricky thing. Everyone needs it or some other proof of financial responsibility to register a vehicle for use on public roads. You may need to have coverage for any damage to the car because the lien holder demands it. You have to choose how much of a deductible you want which can have a big effect on your monthly payments. You also have to choose how much protection you need. In addition, to keep your coverage intact, you may be required to have commercial auto insurance. When planning out your coverage, the following may mean you have to have commercial-level coverage.

You Use Your Vehicle for Work

While you will not need to have commercial insurance if you drive your car to and from work each day, if you use it to perform work, you do. For example, if you use your car for a delivery job or to transport clients around, you will need commercial insurance. If you only occasionally perform these duties, talk with your insurance agent to find out if there is a limit on how often it can be done without needing extra coverage.

Employees Use the Vehicle

If you are a business owner or manager, and you allow employees to use your car to run to the bank or pick up supplies, you should have commercial coverage. This is important even if it only happens a few times a month. You want to be sure the car and driver are covered should there be an accident. The employee is not going to be listed on the policy as a household member or someone with coverage while driving. You would not want to be held responsible for damages and injuries caused if the employee is driving.

You Use the Vehicle to Haul Equipment

If you have to take expensive equipment to and from work regularly, it is best to have commercial coverage even if you do not use the car for business. Commercial coverage will protect items you have in the vehicle that are required for your job. Considering the cost of some computer equipment, it might be best to pay the extra for the coverage than have to buy a new laptop.

The important thing is to go over any questions or concerns you may have with your insurance agent. If you are still not sure if you need commercial vehicle insurance, click here to continue reading.

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