You can purchase a commercial insurance policy in West Hartford, Connecticut that will cover you and your business for many different contingencies, but one of the things it will not cover is any interest, penalties or fines you incur. A commercial insurance policy can be bought to protect a single auto or a fleet of vehicles.
Depending upon the type of coverage you purchase, it will pay for liability claims, damage to your vehicle and for such things as towing and car rental charges when your vehicle is being repaired. What it will not pay for is a fine for speeding or a penalty for driving with an expired driver’s license.
No commercial insurance company is going to pay for penalties or fines you receive because you broke Connecticut law or were negligent in your behavior. Business insurance does cover loss of income, but not loss of interest on the money you would have earned. You can not collect for what possibly could have happened, only on actual damages.
Think of it like you would in a liability case. Who would be liable if someone slips and falls on a spill in the aisle of a grocery store if a bottle of soda explodes and leaves a puddle on the floor? The grocery store would certainly have liability for not cleaning up the mess and you might have a case against the bottling plant if the bottle was not properly sealed. It would be hard to find fault with the driver of the truck who delivered the soda.
As an independent agent, we handle all types of commercial needs. If you are running a business in West Hartford and need to buy commercial insurance, give us a call. An independent agent can answer all of your questions and find you a policy that will protect you and your business.