Commercial Auto Insurance in Missouri and Kansas

When it comes to running a business, protecting your assets is crucial, and that includes the vehicles used in your operations. Commercial auto insurance can play a role in safeguarding your organization from potential risks and liabilities associated with vehicle use. For businesses operating in Missouri and Kansas, understanding the nuances of commercial auto coverage in these states can help ensure you’re adequately covered.

Unlike personal auto insurance, which covers individual drivers and their personal vehicles, commercial auto coverage may help address the needs of businesses that use vehicles for work-related purposes.

Why Is Commercial Auto Insurance Important?

Most states, including Missouri and Kansas, require businesses to prove financial responsibility if their company vehicles are involved in an accident. Failure to comply can result in fines, penalties and legal complications.

Commercial Auto Insurance in Missouri and Kansas

Missouri law requires businesses to carry bodily injury coverage and property damage coverage or get a certificate of self-insurance issued by the Missouri Department of Revenue. State-required minimum liability coverage may not be sufficient for all businesses, especially those with larger fleets or higher risk exposures. The state also requires uninsured/underinsured motorist coverage.

Kansas generally mandates minimum amounts of bodily injury liability coverage, property damage liability coverage, personal injury protection coverage and uninsured/underinsured motorist coverage. Similar to Missouri, these minimums may not be adequate for all business operations.

Specific insurance requirements may vary, so it’s essential to consult with Bargain Insurance Connection about your business circumstances.

Tailoring Commercial Auto Insurance to Your Company’s Needs

While understanding state-specific requirements is crucial, tailoring your commercial auto coverage to fit your business’s unique needs is equally important.

Consider the number and type of vehicles in your fleet. Different vehicles (e.g., delivery trucks, company cars and cargo vans) may require different coverage levels.

Your agent can help identify potential risks related to your business operations. Businesses involved in high-risk activities or those operating in hazardous conditions may need additional coverage.

The Bargain Insurance Connection team in Kansas City, MO, has expertise in insurance and can help you navigate the complexities of coverage options and state regulations.

Contact us today for personalized commercial auto insurance quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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