Whether your business is in trucking, construction, transportation services or delivery, commercial vehicle insurance is an imperative tool that protects your equipment, drivers and future in the industry.

A commercial vehicle is considered any truck or vehicle that is used by an individual in the course of their business dealings and/or in the course of transporting and delivering commercial products.  There are many examples of commercial vehicles, including tractor-trailers, dump trucks, tanker trucks, delivery trucks, semi trucks, 18-wheelers, freight trucks, as well as the myriad of cars and vans used for business purposes. Most states, including Louisiana, mandate certain businesses carry commercial vehicle insurance on their cars or trucks used for their purposes.

Not only can a comprehensive commercial vehicle insurance package help pay for repairs to your damaged vehicle or fleet following an accident or collision, it can save your business from the devastating affects of a lawsuit. Commercial truck accidents tend to be way more damaging than passenger vehicle accidents. These types of collisions are also targets for personal injury law firms. Indeed, the Internet is rife with web pages devoted to the multi-million settlements attorneys have secured following a commercial vehicle accident that causes injury. In those where deaths occur, settlements can reach the tens of millions.

The most common causes of commercial vehicle accidents are actually not all that different from the common causes of most other vehicle accidents. Some of these include driver fatigue, alcohol or drug abuse by the driver, equipment failure, defective parts, safety issues, overly defensive driving, and even the improper loading of the commercial vehicle. As a responsible business owner, you thoroughly train your drivers and test them for substance abuse, but accidents can and do still happen. You want the protection offered by a quality commercial auto insurance policy that can shield your business assets from becoming party to an expensive lawsuit.

Whether you employ a single vehicle for business purposes, or an entire fleet, knowledgeable, independent agents at McInnis Insurance are always available to answer any questions you may have. Our experienced agents have been loyally serving their business owner customers in the Louisiana area for decades and can assist you in identifying your commercial vehicle insurance needs. Contact us to find out how your cars or trucks can be protected with an insurance policy that offers the best coverage at the most affordable rates.