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For many small businesses, "the office" is wherever the work is. And that, of course, requires travel - often, by car. Whether you and your employees drive your own vehicles, your business has company cars, or you rent a car to get around, knowing what kind of commercial auto insurance you need to protect your business can be tricky. In addition to personal vehicle insurance and rental car insurance available from a rental car agency, there are two other types of automobile insurance you should know about: hired auto and non-owned auto coverages. Both can be added as endorsements on your general liability insurance policy.

Hired Auto Insurance Coverage

When you, the employer, or one of your employees has an accident in a rental car, three different insurance policies can potentially come into play. First, the driver's own auto liability coverage still applies, just as if he or she were driving her own car. So, if there's an accident, the employee is personally liable for injuries or property damage to other parties.

The driver may also have hired car physical damage coverage as part of his or her own personal auto insurance policy, which would cover any physical damage to a rental car. Be careful, though, as some "comprehensive" and most "limited" personal auto insurance policies don't include hired car coverage. Second, there's the rental car agency's physical damage coverage and liability coverage that you are offered at the time of rental.

And third, there's hired automobile coverage - an additional coverage that either supplements or replaces a car rental agency's liability coverage, by protecting your company in the event of a lawsuit resulting from an accident. Because hired auto insurance only covers liability to your company - not physical damage - it's always a good idea to be sure the driver has hired car physical damage coverage as part of his or her own policy, or to purchase the rental agency's physical damage coverage whenever you or an employee rents a car.

Non-Owned Auto Insurance Coverage

If you and your employees typically drive for business purposes using personal vehicles, you'll want to know about non-owned auto coverage. This type of insurance protects your company against lawsuits that may arise when one of your employees has an auto accident while driving a personal vehicle on company business. As with hired auto coverage, the driver's personal liability insurance still applies if the driver himself is sued, and the driver's personal auto property damage insurance should cover any physical damage resulting from an accident. What non-owned auto coverage does is protect your business if the other party involved in the accident decides to sue your company.

Do I Need It?

To protect themselves against any liability resulting from an auto accident caused by the or one of your employees while working on a client project, some clients may require your business to carry auto liability coverage. Typically, such coverage is required in contracts with language such as: "Contractor shall carry bodily injury, property damage, and automobile contractual liability coverage for owned, hired and non-owned autos with a combined single limit of liability for each accident of not less than $1,000,000."

But even if your clients don't require it, hired and non-owned auto coverage may be a smart investment. If an employee of your company has an auto accident in their own vehicle or in a rented vehicle while on company business, and their personal insurance is not enough to cover the claim, your company can be held responsible for the excess amount. And of course, there's always the risk that your company itself will be sued.

Are you good driver and looking for Safe driver insurance? Well the good news that most insurance companies do have plans to reduce the rates of good drivers. The main thing you need to know is that it is not always automatic. So you are going to have to ask for it. People love cars and you can see how they take care of it. As possible, they clean it every morning before they ride on it. They want their car to be tidy and keep their care properly maintained.

The state law encourage the Safe driving with lower cost premium for drivers who does not commit any car accident or committed traffic violation so insurance companies come up with SDIP means Safe drivers insurance Plan. This applies to private passenger vehicles. You can choose the policy that is right for you and within your budget. This Safe driver insurance was created for the people in order to help Low Risk drivers get the best rates as a reward for being a good driver. Most drivers who have records in at fault car accidents or have traffic violation are most affected with the high risk premium cost. Having this kind of record will accumulate surcharge points and that depends on what nature of accident had occurred. Surcharge points can cost you money and increase your premium rates as well. The more points you've got, the higher is your premium.

In this kind of Good auto insurance the system is to build discount to rewards the drivers with consistency clean driving records wherein drivers have at least 5 years experience in driving. If a driver have a good record with no at fault accidents and have not commit any traffic violation for sure your will have a zero surcharge points wherein you will have a discounted premium cost.

Make it a habit to drive Low Riskly and with precautions. This is one of the easiest ways where you can save money for each month for your premium cost on your insurance. One way where insurance company can see how well is your driving record. Insurance company will also get some points through what car model you have and your age being the driver.

Since each car models and brands have different features and performance. There are high speed cars and there are also considered as low performance car where speed is not so high. And buying a car, it is necessary for you to have auto insurance as part of requirements by law. If you want to find the great savings for Safe auto insurance, internet is the best place to do your shopping. You can explore the different sites of Insurance companies for Safe drivers. Access is open to all who are interested to explore regarding the insurance companies rates and policy coverage.

Its traffic free and no need of parking space to consider when you go shopping through the internet. You can compare quotes so easily with no sweat and you can also buy your Safe auto insurance through the net. Just be sure to buy your SDIP from reputable insurance company that doing this kind of business for long years in service. Remember that even in the internet, there are scam and frauds so be careful. Try to find for great deals by getting quotes for cheaper SDIP. Just be sure you know what you are looking for