Christ flipped tables when He found people conducting business within the church instead of worshiping God - but He never said anything about logistics. In fact, when it comes down to the nuts and bolts of running a Church, treating it like a business makes the whole operation much more efficient and leaves pastors, elders, and congregation free to engage in the Gospel. 

One of the ways to streamline the backend workings of the church is to have a fleet of church-owned vehicles with adequate commercial auto insurance coverage. Here are a few ways a commercial auto policy can help:

1. Liability Coverage: Commercial auto insurance can provide a range of coverage and protection, not just for your vehicles but also for nearby property and valuables that may be impacted during the accident.

1. Physical Damage and Collision Protection: After a crash, you may need to cover the costs for the damage caused on the vehicles- yours or the other vehicle that was damaged in the accident. Commercial auto insurance will reimburse the cost for damage repairs for policyholders regardless of who was at fault. Many policies even give an extra layer of protection by providing coverage to uninsured or under-insured motorists.

1. Medical payment and lawsuit coverage: Should bodily harm occur to you or those involved in the accident, commercial auto insurance policies cover some of the medical expenses, lost wages and even legal expenses should a lawsuit be brought against you.

1. Comprehensive coverage: Apart from just accidents, commercial auto insurance can provide protection in areas unrelated to accidents like fire, vandalism, theft, etc.

1. Protection beyond personal auto insurance policies: Without commercial auto coverage, companies would have to pay from their own pockets as personal auto insurance policies do not give adequate protection when policyholders are driving for business purposes.

1. Optional add-ons for more protection: Commercial auto insurance policies can be customized. Common policy add-ons (or endorsements) include protection like new vehicle replacement cost coverage, towing reimbursement, roadside assistance coverage, rental reimbursement and gap coverage for auto loans or leases.

You do not need to own a large fleet of vehicles in order to have commercial auto coverage - any and every car, van, truck, or similar vehicle used for the daily or weekly operations of the church must be covered. To learn more about these policies and how they can help your church, contact the experts at Carriage Trade today.