Things to Consider for Commercial Auto Insurance
Choosing the right auto insurance policy will help make sure that you, your employees and your business are all protected if one of your vehicles is ever involved in an accident.
Business owners, andtheir employees who use a vehicle for business-related activities or to carry certain materials to and from a job site, may need a commercial auto insurance policy that’s tailored to more closely suit the needs—and risks—of a business vehicle operator.
Commercial Auto Insurance Questions
Below are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy.
- Do you need more liability coverage than your personal auto policy provides? A commercial auto policy typically provides higher limits of liability, but less or no coverage in areas that are usually not associated with commercial auto risks.
- Do you need special coverage for situations associated with conducting business? Commercial auto policies also usually offer certain coverages, such as hired and non-owned auto coverage and coverage for towing a trailer for business use, that are not available with personal auto policies.
- Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.
- Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.
Technology Insurance Associates is an independent insurance agency with trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your needs and those of your company.
