Business Auto Insurance for Carpet Cleaners

Commercial auto liability insurance for carpet cleaners protects any vehicle that you or your employees drive for work purposes. This insurance is mandated by law in most parts of the country, and it serves to protect other drivers as well. Liability insurance pays for damages and injuries when you or one of your company’s employees is the cause of an auto accident. It protects your company by putting limits on the amount of accident damages you’ll have to pay for directly. It protects innocent drivers by paying for repairs or injuries they didn’t cause. Liability auto insurance covers you, your business vehicles and your employees when anyone is driving for work reasons. When employees are driving from a residential carpet cleaning appointment for example, or returning to the office to refill their cleaning supplies, your carpet cleaner’s commercial auto insurance coverage has you protected.

A combined single limit (CSL) policy protects you by providing for one fixed total payout amount on a per accident basis. A CSL does not place limits on benefits for bodily injury or damages to property separately. Instead, it protects you with coverage up to the total maximum as set in your company’s policy. For example, if your employee causes an accident that harms several people, the majority of your CSL policy benefits may be used to pay for medical care and injury expenses.

A split limit auto insurance policy limits how much of the benefits can be paid in total for specific damage types. Each state sets minimum legal amount of coverage you can carry, and your business auto policy determines what the maximum payouts will be for property damage and bodily injury separately.

For example, if you choose a split limit policy of $100,000/$300,000/$50,000 for your commercial Carpet cleaners auto insurance: