Addressing the Commercial Auto Exposures of Nonprofits
Some nonprofits own company vehicles while others have volunteers using their own personal cars for business purposes or to serve the community. For example, a volunteer at a senior services organization may drive his or her own vehicle to pick up a resident for a doctor’s appointment or to take him or her shopping.
A well-secured Commercial Automobile Liability policy is designed to cover the diverse auto risks nonprofits face and is key in helping protect these organizations’ bottom line and continued success. In fact, automobile accidents are among the top claims for nonprofits and social services organizations.
Fully Loaded Business Automobile Coverage
BMT Insurance Advisors provides options for your comprehensive Business Auto policy. We can provide you with:
- Coverage for Company-Owned Vehicles: Protects the organization when employees and volunteers (or anyone else driving the organization’s vehicles with permission) are at fault in an accident while driving company-owned vehicles. It also covers physical damage (comprehensive and collision) to the vehicles. The cost varies based on where the vehicles are garaged, and type of vehicle.
- Uninsured & Underinsured Motorists Liability: Available in the event of an accident with another vehicle whose at-fault driver has no or insufficient insurance.
- Hired & Non-Owned Vehicles: Protects the organization against third-party claims when employees or volunteers are at fault in an accident while driving their personal vehicles on behalf of the organization. It also provides protection if the organization rents or leases vehicles.
In addition, we can assist with referrals to driver training and fleet management resources to help promote greater safety on the road, stem losses from vehicular accidents and reduce insurance premiums.