The Kahler Agency

The Kahler Agency Heritage that guides us, insurance that guards you. Offering the full range of Property and Casualty products for personal and business insurance.

08/25/2026

Using a vehicle for business does not automatically make it properly insured for business.

The right approach depends on who owns the vehicle, how it is used, who drives it, what is transported, and which policy applies.

Questions worth asking:
• Is the vehicle titled personally or to the business?
• Are employees driving it?
• Is it used to deliver products, tools, or equipment?
• Are there regular jobsite trips?
• Are personal vehicles used for company errands?
• Does the business reimburse mileage?
• Are trailers attached to the vehicle?

Business use can create coverage questions that are easy to miss when the only discussion is, “I have auto insurance.”

Commercial auto losses can also become severe quickly because they involve injuries, property damage, downtime, and potential liability to the business.

The practical step: document how every vehicle is actually used, then make sure that use matches the insurance program.

08/18/2026

A certificate of insurance is not the same thing as the insurance policy.

A COI is useful evidence of stated coverage on a particular date. It does not replace the policy, rewrite exclusions, or automatically satisfy every requirement in a contract.

That matters when a business is:
• Hiring subcontractors
• Starting work for a general contractor
• Leasing space
• Signing a vendor agreement
• Adding a customer as an additional insured
• Agreeing to specific limits or endorsements

The insurance requirement may look simple on one page, but the actual obligation can involve policy language, endorsements, notice provisions, and risk-transfer terms.

Before signing a contract, have the insurance section reviewed by the right professionals. Your attorney can address the contractual obligation, and your insurance advisor can confirm what the policy can—and cannot—provide.

A five-minute review before signing can prevent a much harder conversation later.

08/11/2026

The worst time to discover your insurance no longer fits is after a claim.

Commercial policies should evolve with the business, but renewals are often treated like an annual paperwork exercise.

A stronger renewal review starts well before the effective date. Look for changes such as:
• New vehicles or drivers
• Higher payroll or sales
• New locations
• Purchased or leased equipment
• Work in new states
• Different subcontractors
• New contracts or customer requirements
• Changes in building or inventory values

Even a positive change—growth—can create an insurance gap when the policy still reflects last year’s operation.

A good rule of thumb: begin the renewal conversation about 90 days in advance. That creates time to clean up information, address loss-control issues, compare options, and avoid rushed decisions.

When is your commercial insurance renewal? If it is within the next 90 days, now is the right time to review what changed.

Address

620 24th Street Ste D
Ogden, UT
84401

Telephone

+18018211186

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