For motor vehicles that are used in business, it is vital to ensure you have commercial vehicle insurance coverage. Personal auto insurance policies are not designed for vehicles that are used for business activities and will refuse to pay for accidents if a vehicle was engaged in business activities. When you have commercial auto insurance, the policy can cover family members performing business duties, employees, and others driving a covered vehicle.
If you have a vehicle that you plan on using for business purposes, it is crucial to buy coverage for it before any business use. You want to make sure that you and any other drivers who operate it are protected every time the vehicle is used.
The coverages provided in a commercial vehicle policy include:
If you have tools, materials, or inventory that you are transporting from one location to another in a business vehicle, these are not covered by your commercial auto insurance. These items can be protected with a business owner’s policy.
If you plan on using your vehicle for your business, it is crucial to get it insured before you start using it, so you are protected. We understand choosing the right policy can be challenging, which is why our knowledgeable insurance agents are here to provide the advice and guidance you need to make the best choices for your business, your budget, and how vehicles are used in your enterprise.