Summer Surge: Is Your Commercial Auto Policy Ready for the Busy Season?

Whether you are a contractor heading to a job site, a delivery service keeping up with increased demands, or a landscaping crew working long hours, the summer surge may bring more business and risks. With more vehicles on the road and increased mileage, now is the perfect time to check if your commercial auto insurance is prepared for the heat.

Understanding Summer Risks in South Carolina

The summer months can bring higher traffic and unpredictable thunderstorms. These and other factors can lead to a higher frequency of accidents and vehicle wear and tear. If you are hiring temporary drivers or expanding your service area to meet demand, your existing policy may need adjustments.

Key Coverage Considerations

Consider the following when reviewing your policies:

• Hired and non-owned auto coverage: This can be essential if you are renting extra vehicles or asking employees to use their personal cars for business errands during the busy season.
• Increased third-party liability limits: With more time spent on the road, the statistical likelihood of an incident may increase. Higher limits can cover related expenses if you or an employee is held liable for injury or damage to someone else while operating a company vehicle.
• Comprehensive coverage: This can cover your vehicles against damage caused by non-collision events such as fires, natural disasters, theft or vandalism.

Review Your Coverage with Us

Our goal is to help you navigate your insurance options so you can focus on serving your customers. If you have questions about your current policy or need to add a new vehicle to your fleet, contact us today

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.