If you are a West Virginia business owner, you will need to purchase commercial insurance. If your company is located near Parkersburg, WV, our team would be honored to work with you. When you work with our team at Curtis Miller Insurance, we will do our best to help you compose a personalized commercial insurance portfolio.

Personal Auto Insurance Versus Commercial Auto Insurance – What are the Differences? 

Commercial auto insurance is different from auto insurance. If your company owns any vehicles that are used for commercial purposes, you must purchase commercial auto insurance. Each employee of your company will still need personal auto insurance to cover their personal car for damages caused when their car is involved in an accident. If those same employees are driving a company car and are involved in an accident, those damages would only be covered by a commercial insurance company. 

According to Smart Financial, commercial auto insurance policies are typically more expensive than personal policies. If any of your employees use their personal vehicles for work purposes, you should help them buy a commercial auto policy to cover their work-related trips. Employees who are permitted to drive a company car for their personal use may need a different type of coverage for those trips. Talk with one of our experienced agents about which types of auto coverage your company needs. 

Call Us Today for Your Appointment 

Your commercial insurance portfolio will be composed of several types of insurance. Our team at Curtis Miller Insurance will help you understand each of those insurance types. Companies from the Parkersburg, WV area have learned they can rely on us for excellent customer service. Give us a call today for your appointment, so we can talk about the types of insurance your company needs. 

As a business owner, you may already know that you need workers’ comp insurance for all of your employees. No matter how many employees you have, even just one, it’s essential to have this coverage for every employee and to keep this insurance for as long as you own your business. There are many things that this type of commercial insurance will pay for, and it often pays for things that the business owner didn’t realize were a part of workers’ comp. When it’s time for you to get workers’ comp insurance, we’re here to help. Just call us at Curtis Miller Insurance, serving Parkersburg, WV.

Medical Bills

The first thing that many people think of when they think of this type of commercial insurance is that it pays for medical bills after an accident. This is vital for all businesses to have because it does pay for these bills, and healthcare costs are always rising. It doesn’t take a very serious accident for it to be an expensive one. An accident at work can also lead to a need for ongoing medical therapies, and workers’ comp pays for this as well.

Other Costs

It also pays for other costs such as legal bills and lost wages. These are often required after an accident that causes injuries, and the policy will take care of them. There may also need to be disability payments after a serious accident, and this, too, is taken care of. Workers’ comp is a valuable commercial insurance policy that no business with employees should ever be without.

Get Workers’ Comp Insurance

If you don’t have your workers’ comp insurance policy in place yet, it’s time to call us. You can contact us at Curtis Miller Insurance, serving Parkersburg, WV, to find out more.