In our post, “Top 3 Industries in Need of Commercial Auto Coverage,” we discussed the differences between personal and commercial coverage, and several industries that would greatly benefit from it. Today, we’re talking about why specialty contractors, like plumbers, electricians, and roofers, are specifically at risk without commercial auto insurance.

If you want to know how to educate small business prospects about commercial auto insurance, you’ve come to the right place. As one of the largest small business insurance providers in the US, we know a thing or two about prospecting.

In this article, we’ll discuss the following:

• Where to find information about commercial auto insurance
• How to determine whether your client needs commercial auto coverage
• Where to find data to support your risk assessment

Commercial auto insurance isn’t just for “the big dogs.” Small businesses are just as much, if not more, at risk than larger businesses because a long claim payout time could spell disaster. Particularly, employers with just a few employees shouldn’t think twice about purchasing commercial auto insurance.

According to an article from PropertyCasualty360 from April 2017, environmental liability claims have increased significantly in the past five years, specifically in the construction and mining sectors of Latin America. But if hurricanes Harvey and Irma were any indication, it’s clear that the effects of climate change are becoming more severe and wide spread each year.

According to a recent study by MarketStance, growth in small and middle commercial market risks caused an increase in the commercial insurance market in 2016. Among those industries named were specialty trade contractors, building construction, real estate, and new and used car dealers—all of which, in addition to property and casualty coverage, likely also need commercial auto coverage