Does My Company Need Commercial Auto Insurance?

Posted on December 21, 2023January 1, 2024 by admin

If your business requires costly equipment, tools, money, or people around, you’ll need commercial auto insurance. If you aren’t sure about the status of your company and whether you should carry commercial vehicle insurance, our team at Amerisent Insurance in Las Vegas, NV is here to offer guidance.

Who Needs Commercial Auto Insurance?

Some employees use personal vehicles to handle certain business tasks. While their personal policy likely has enough coverage, there are stipulations that call for a commercial auto policy, as well.

Your Company Has Commercial Vehicles Registered: If you have one company vehicle registered as commercial or vehicles have commercial license plates, your staff using personal vehicles will need commercial auto insurance.
Your Drivers Transport Goods for Cash: Ride-sharing agencies, taxis, delivery companies, and those that require moving valuables or people are required to have commercial auto insurance.
Heavy Tools or Expensive Equipment is Transported: Businesses that handle logistics for work supplies or machinery need to have commercial coverage that protects the load.
Travel for Work is Frequent: If traveling far distances in a company or personal car, a commercial policy is necessary to protect the vehicle and your business.

What’s Covered Under Commercial Auto Insurance?

Commercial vehicle insurance carries much of the same coverage as personal vehicles but extends to cars, trucks, vans, etc. used for work purposes. A few of these include but aren’t limited to:

General Liability Insurance: Handles claims such as damage to visitor’s property by a company-used vehicle when on the job.
Workers’ Compensation Insurance/Personal Injury Protection: This insurance will cover employees hurt while on the road.
Uninsured/Underinsured Motorist: If an employee has an incident with a driver who doesn’t have insurance or enough of it to cover the damage they cause, the insurance company offers compensation for the difference.

Learn More About Commercial Auto Insurance

No one understands the laws and consequences of failing to carry commercial vehicle insurance than our team. If you want to speak to one of our experts about your company’s commercial insurance needs, contact us online at Amerisent Insurance, call us, or stop by our office in Las Vegas, NV.

Importance of Liability Home Insurance Coverage

Posted on November 17, 2023November 25, 2023 by admin

Home dwelling and property insurance protect your house and belongings from events that can cause financial loss. But what about injuries or property damage others may sustain from an accident in or around your home? That’s what home liability coverage from Amerisent Insurance, serving the greater Las Vegas, NV region, is all about.

Understanding Liability Coverage

As a homeowner, you’re responsible for the safety and welfare of people visiting your property. If an accident occurs that causes someone bodily harm, you may be held liable for their medical costs. Liability insurance covers these expenses for you to protect your personal funds. In like manner, if your kids put a dent in a guest’s car while playing soccer in the yard, liability insurance will cover repair costs. If you own a dog and he’s covered under your policy, you’re even protected against injuries or property damage your pooch may cause others when they visit your house or come into your yard.

Importance of Liability Coverage

Accidents on the home front are quite common. A slip and fall on the stairs or on a slippery driveway could easily result in a broken bone or concussion. If your home has a pool, large yard, or trampoline, there’s even more risk of accidents happening when friends and family gather for the holidays. Liability insurance can give you peace of mind that you’re protected against any eventuality.

Lack of liability coverage doesn’t mean you won’t be held liable for accidents that occur on your property. On the contrary, there’s a good chance you’ll be covering the expense of those accidents out of pocket, even if you have to dip into your savings or retirement funds. That’s why it’s important to protect yourself from the unexpected.

We Are Here To Help

To discuss liability coverage options for your Las Vegas, NV home, contact your Amerisent Insurance agent today.

7 Tips to Keep Your Car Safe From Vandalism

Posted on October 20, 2023October 20, 2023 by admin

Auto insurance coverage is available for common vehicle vandalism such as keyed paint, broken glass from smash and grabs, and more. Get covered by AmeriSent Insurance serving Las Vegas, NV. To help prevent such vandalism from happening in the first place, use the following tips.

Keeping Your Car Safe From Vandalism

1. Park Under Lights

Instead of prioritizing parking near the front doors, look for empty spots under parking lot lights, where vandals are less likely to target vehicles.

2. Park Only in Designated Areas

Avoid parking on the street or in off-road areas. Park only in official parking areas where there are other vehicles.

3. Park Next to Other Cars

Avoid parking in isolated areas of parking lots. Instead, choose spots next to or near other vehicles so your car doesn’t stand out.

4. Invest in Secure Parking Facilities

When you have a choice, opt to pay for secured parking facilities where there are gates and parking fees. These facilities also typically have security cameras, which deter vandalism.

5. Join or Start a Neighborhood Watch

If your home is in an area plagued with vandalism, join or start a Neighborhood Watch program so vandals know that neighbors are vigilant.

6. Use Window Tint

Apply anti-vandalism film or after-market window tint on your car windows. In Nevada, the maximum light transmittance value is 35% for the driver and passenger windows, which is enough to act as a deterrent in case of an attempted smash-and-grab.

7. Remove Valuable Items From Sight

Don’t leave valuable items visible inside your car, as they can attract the attention of potential vandals. Store valuables in the trunk or take them with you to reduce the temptation for opportunistic smash-and-grab vandalism.

We Are Here To Help

You don’t have to be a victim of vehicle vandalism. For help with your vehicle vandalism claim, contact your insurance representative at AmeriSent Insurance serving the Las Vegas, NV metroplex.