Business Auto Insurance
Fresno, CA

Barlocker Insurance Agency

This type of insurance provides coverage for automobiles, trucks, and vans used for business purposes. Major coverages are the same as with personal auto insurance. Auto insurance policies pay for damages due to an accident, or damages caused by fire, theft, flood, and vandalism. It also provides liability coverage for injuries to people and property damage when you are at fault in an accident.

Is Business Auto Insurance Right for You?

There are many factors to consider. If you own or lease autos for your business you should have a Business Auto Insurance policy because your personal insurance may not cover losses. If you have an outstanding loan on your business auto, most lenders require comprehensive and collision. If you or your business owns the autos outright, then the decision should be based upon your business' financial reserves and the value of the auto. Is the value of the auto close to the premium paid for comprehensive and collision? Do you have liquid funds that could be used to replace the auto if destroyed or stolen? Can you buy another auto of this type?

Employees Using Their Own Autos for Business

Most Business Auto Insurance policies cover the liability for your employees using their own cars for business. However, the employees' personal auto policies would be the primary coverage for damage to their automobile.

Liability Coverage for Accidents Involving Company-Owned Autos

Liability coverage is a part of a Business Auto Insurance policy. This coverage protects you in case someone else claims you (or someone driving your covered auto) are legally liable for either bodily injury or property damage.

Liability Coverage for Autos Rented, Loaned, or Leased

The Business Auto Insurance policy may protect you if your business is involved in a lawsuit because of an accident involving an auto your company has rented, loaned, or leased.

Physical Damage (Collision)

Your Business Auto Insurance policy includes coverage for collisions; you will be protected in case your auto is physically damaged in an accident involving another vehicle or a stationary object, such as a building, telephone pole, or guardrail.

Physical Damage (Comprehensive)

In addition to the standard coverages, the Business Auto Insurance policy will pay for physical damage to your insured auto caused by a variety of risks, including fire, lightning, theft, vandalism, hail, and flood.

Contact Us Today

Fresno Office

Bill Barlocker

Bill Barlocker

Salinas Office

Tina Barlocker

Tina Barlocker

Merced Office

Josh Barlocker

Josh Barlocker