At CSN Insurance Services in North Las Vegas, Nevada our primary concern is ensuring our clients assets are protected in the event of loss. Does your company operate a fleet of vehicles to deliver product? Does your company provide its sales team with a vehicle(s) to use in order to travel to and from clients? Does your company or non-profit organization transport its clients as part of its services? In most instances when a vehicle is used, in any capacity, to further an organization’s business interests, a commercial auto policy is required. The complexity inherent to this issue warrants the oversight of a professional insurance broker, such as CSN Insurance Services.
Even when a vehicle is owned by an individual employee or personally by the business owner, if the vehicle is used in furtherance of the business (other than simply commuting to and from work) a commercial auto policy is most often required. Personal auto insurance policies are rated differently than commercial auto policies and may be ruled null and void if it is determined a vehicle was in fact being utilized in furtherance of an organization’s objectives.