If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs—and risks—of a business vehicle operator.
Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy, courtesy of All American Financial Service & Insurance.
- Do you need more liability coverage than your personal auto policy provides? Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.
- Do you need special coverage for situations associated with con-ducting business? Commercial auto policies also usually offer certain coverage's 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.
All American Financial Service & Insurance is an independent insurance agency – 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.
To learn more about all an independent agency offers, visit progressiveagent.com
or give us a call.
