There are some businesses that only operate during certain times of the year. When this occurs, having a number of insurance policies in place to cover your business when it is not operational can be very costly. If you have a fleet of vehicles that are only used seasonally, looking into a commercial auto insurance policy that has a seasonal clause in it is key. 

What is Seasonal Commercial Auto Insurance? 
Seasonal commercial auto insurance is a business insurance policy that is designed to protect you from liability. Seasonal insurance allows you to have coverage only when you need it, which helps you save money and get more out of your policy. 

What is the Criteria for Obtaining a Seasonal Commercial Auto Insurance Policy? 
You must be in an industry that operates seasonally and be able to demonstrate that your vehicles will not be in operation during other times of the year. Your insurance agent should be able to assess your current business and help determine whether or not this type of policy would be best for you. 

Is This a Policy that can Work with My Current Coverage? 
If you have a business owner’s policy (BOP) that carries a number of coverages under one umbrella, you may be able to roll this policy into your current structure. Seasonal coverage may apply to more than just your auto insurance policy, which can help you recognize the savings and plan your budget for the year. 

One of the most important things to remember when seeking seasonal insurance is that there will be certain times when your coverage is not as comprehensive, based on the information you provided. If your circumstances change and you need to use your commercial vehicles during this time, you should always contact your insurance agent to make sure you have the coverage you need. 

Being proactive in finding cost savings that are beneficial to you as a business owner can help you save time and avoid extra expenditures. Obtaining a seasonal commercial auto insurance policy may be one of the best decisions you make. For more insurance options and to get more information, contact your insurance agent today! 

Are your vehicles covered? Call The Insurance Center at 800-444-8675 for more information on the commercial auto insurance policies we offer.