If you own a Nova Scotia business, you probably need a car, truck, van, or perhaps an entire fleet of vehicles. Most businesses should have Commercial Auto Insurance, and you could be spending too much money on this kind of coverage. In addition, having an insurance professional on your side can be a great business asset. Let’s take the case of Henrietta P.
Henrietta had a flair for decorations. She loved flowers ever since she was very small. Even as a child, people were amazed at her flower arrangements and decorating skills, so it was natural that she became a florist. In fact, her flower shop was one of the most popular businesses in town. She hired several people to help with her florist shop and was soon making deliveries all over the province. Business was very good and Henrietta had no idea that trouble was just around the corner.
To expand her business, Henrietta added two new vans to her delivery fleet, and increased her Commercial Vehicle Insurance, but it was still difficult to keep up with all the new business, and on Valentine’s Day, they were swamped. Plus, one of her older vans broke down and Ellen (a delivery person) offered to use her own SUV for deliveries. Henrietta thanked Ellen and it was business as usual.
Later that day, the roads were slick and Ellen’s SUV skidded into two cars in an intersection. Two people received major injuries and there was a great deal of property damage. Thankfully, Henrietta had discussed this matter with her insurance professional just two weeks before the incident, and he advised her to take out Non- Owned Automobile Coverage. This paid for the huge medical bills. If she had not taken out this coverage, she might have lost her flower shop.
Commercial Auto Insurance protects you from legal liability and damages to your company owned vehicles. It is similar to standard Car Insurance, except it is designed with the business owner in mind.
When you use vehicles in your business, you need some kind of insurance coverage to protect them. Whether you ship goods or haul cargo, make deliveries, haul passengers, or use a car for business transportation, insurance is necessary. These businesses need to take out Commercial Vehicle Insurance.
Your business vehicle needs are different than other businesses, so there are no “standard” Commercial Auto policies. However, all Nova Scotia business vehicles must have the minimum required insurance coverage as such:
Collision and comprehensive are two of the most important options. Collision pays for your car if you are at fault in an accident. If you are not at fault, your DCPD or the other driver’s liability coverage pays (depending on the circumstances). Comprehensive pays for non vehicle collision type damage. This includes hail damage, fire, theft, vandalism, and tree damage. You also may want to include these coverage options.
When you compare Commercial Auto policies, you’ll see a lot of differences in price and options. In fact, it can be difficult to choose the perfect policy for your business. That is why you should talk to an insurance professional at Founders Insurance Group. We have been around since 1982 and our commercial insurance department has more than 50 years of combined experience. You can depend on us to help you choose the right kind of Business Auto Insurance coverage.
Founders Insurance Group is not an insurance company. We are an independent agency that can give you insurance from many different companies. We have policies available for specialty markets like taxis and limos also. Whether you are a real estate agent or in the commercial trucking business, we are there to serve your insurance needs in Nova Scotia. Call us today at 1-877-798-5981.
Sympathetic & Caring My insurance agent's name is Janice Pottie, however, I call her Rockstar. I have been dealing with Janice for almost a year and she has always presented herself in a very friendly and professional manner. In the summer of 2010, I had the misfortune of being involved in 2 car accidents within a 4 week span. It was a very stressful time for me because I'm a newly graduated driver and I'd never been in an accident before. Having Janice to help me through the process was fantastic. She listened to my concerns, answered all my questions, no matter how many or how often. I also found her to be very sympathetic and I knew she cared about the situation I was in and would do whatever she could to help me through it. In my experience dealing with Janice, she has also been very knowledgeable, detailed and quick to give me all the information I need for whatever the situation may be. I feel very confident in recommending Janice Pottie to my friends and family as an insurance agent that you can trust. Thank you so much, Janice, for the service you have provided me. I greatly appreciate it.
Very Pleased Janice Pottie was extremely helpful in finding a better rate for both our home and boat insurance, and I am very pleased with how quickly she was able to obtain the quotes and make the arrangements with the new insurance companies.
Going the Extra Mile From working in customer service myself, I know it can be a challenge dealing with all types of people. Sadly, the public is the first to make a complaint, but never a thank you, it seems. Peter Aalders was a pleasure to deal with and certainly gave me the information accurately and promptly. Peter even commented on the discounts he applied and the different companies he contacted to give me the info I needed to make my decision. That was the 'extra mile' he gave to an unknown caller. Thank you for such prompt response and being so courteous on the phone to me, including the receptionist!
WRASCIALLY WABBIT?!? We have been with founders for 17years! Recently we were driving on the Highway when a Rabbit yes a Rabbit literally jumped out in front of our Newer Sante Fe and jumped right at our Vehicle!!! We thought wow bet that will leave a mark. When we got to our destination you can imagine our shock when part of the rabbit was still in our bumper!! I called Janice Pottie whom I have dealt with for years and she advised us quickly on what to do and we called the 1800 number to report it. Janice has always been so great with us, its like I have known her for years and have never met her in person. Liam was great to deal with and followed up to make sure we were happy with the work done, the rental etc. Who would have known a "WRASCIALLY WABBIT" could cause so much damage!!! Thanks again.
We Saved a Lot of Money I was very satisfied with the professional and friendly service I received when I came into Founders Insurance Group in Wolfville. We saved a lot of money on our home and auto insurance!
DON’T WAIT. Get a quote today!
CALL Us at 902-468-3529