(888) 900 0205Business Auto Insurance for Carpet Cleaners
As a residential carpet cleaner, you might visit five to ten clients daily, while commercial jobs can range from one to fifty locations, depending on your company’s size. With all that travel, your risk of being involved in an auto accident increases, and the financial impact can be severe, sometimes even leading to bankruptcy.
That’s why having carpet cleaners auto insurance is essential. It protects you from the financial fallout of accidents, whether you’re driving personal vehicles or company vans. This insurance covers vehicle replacement, equipment damage, and issues from collisions, theft, fire, and rollovers. Plus, it ensures that accident-related medical expenses for you and your employees are covered.
Combined Single Limits
A combined single limit (CSL) policy offers protection with a single fixed payout amount per accident. Unlike separate limits for bodily injury and property damage, CSL covers up to the total maximum set in your policy. For example, if your employee causes an accident injuring several people, your CSL policy can cover all related medical and injury expenses up to that limit.
Split Limit Policy
A split limit auto insurance policy sets specific limits on how much can be paid for different types of damages. Each state has a minimum coverage requirement, and your business auto policy will define the maximum payouts separately for property damage and bodily injury.
For example, if you choose a split limit policy of $100,000/$300,000/$50,000 for your commercial Carpet cleaners auto insurance:
- Your policy would pay no more than $100,000 for each individual’s bodily injuries.
- Your policy will pay no more than $300,000 for the combined total of bodily injuries.
- Your policy will pay no more than $50,000 for the combined total of property damages.
Physical Damages Coverage
Physical damage coverage adds extra protection for your business vehicles. If an employee wrecks a company van beyond repair, this coverage ensures your insurance will cover the cost of replacing it.
Physical damage insurance coverage may include:
Other Optional Coverages
- Medical Payments
- Uninsured/Underinsured Motorist
- Rental
- Towing