Get commercial auto insurance coverage need a commercial auto insurance policy

Get commercial auto insurance coverage that fits your business That’s why it’s important to have business auto insurance to protect the vehicles you use for your business. Contact an agent today and get a free customizable commercial auto insurance quote that can include:
Auto liability
Medical payments
Comprehensive coverage
Collision coverage
Uninsured and underinsured motorists coverage
Coverage for autos you borrow or rent
Coverage for employees using their cars for the business

Do I need a commercial auto insurance policy?
As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Get commercial auto insurance coverage need a commercial auto insurance policy