Differences Between Commercial and Personal Auto Insurance

If you own a business, it’s important that you get a business insurance policy, especially true if your business requires the use of vehicles. Many carriers offer coverage options for commercial auto insurance. It’s important to have this type of insurance for your commercial vehicle, even if you use that vehicle as a daily driver.

Business Insurance Quote

Liability Limits

Commercial Auto Coverage comes with more liability coverage options than regular auto insurance. A Commercial Auto Coverage Policy can cover passengers, customers, employees, and work equipment. Usually normal auto policies only cover the driver and sometimes the passengers.

Vehicle Types

Normal auto policies usually cover the standard vehicles you see on the road: cars, pickup trucks, SUVs, etc. Commercial Auto Insurance covers these vehicles, but they also cover trucks (dump trucks, box trucks, food trucks), utility vans, limos, taxis, flatbeds, and more. You can also cover multiple company vehicles under the same policy with Commercial Auto Coverage.

Employees

 As mentioned above, employees are covered on your Commercial Auto Coverage policy. So, say an employee drives your car, but you don’t have commercial auto coverage. If that employee crashes, your regular insurance will not cover them for any injuries and they can in turn sue you for hospital bills. If you do have the vehicle covered by Commercial Auto Insurance, your policy will take care of the car and their medical bills.

If your business requires the use of vehicles, be sure to protect your company, vehicles, equipment, customers, and employees with a policy from a reliable Commercial Auto Insurance carrier. You can also go online and get a Commercial Auto Insurance quote to see how much your policy would be. Stay safe and keep your business on the move!

Business Insurance Quote

Differences Between Commercial and Personal Auto Insurance

If you own a business, it’s important that you get a business insurance policy, especially true if your business requires the use of vehicles. Many carriers offer coverage options for commercial auto insurance. It’s important to have this type of insurance for your commercial vehicle, even if you use that vehicle as a daily driver.

Business Insurance Quote

Liability Limits

Commercial Auto Coverage comes with more liability coverage options than regular auto insurance. A Commercial Auto Coverage Policy can cover passengers, customers, employees, and work equipment. Usually normal auto policies only cover the driver and sometimes the passengers.

Vehicle Types

Normal auto policies usually cover the standard vehicles you see on the road: cars, pickup trucks, SUVs, etc. Commercial Auto Insurance covers these vehicles, but they also cover trucks (dump trucks, box trucks, food trucks), utility vans, limos, taxis, flatbeds, and more. You can also cover multiple company vehicles under the same policy with Commercial Auto Coverage.

Employees

 As mentioned above, employees are covered on your Commercial Auto Coverage policy. So, say an employee drives your car, but you don’t have commercial auto coverage. If that employee crashes, your regular insurance will not cover them for any injuries and they can in turn sue you for hospital bills. If you do have the vehicle covered by Commercial Auto Insurance, your policy will take care of the car and their medical bills.

If your business requires the use of vehicles, be sure to protect your company, vehicles, equipment, customers, and employees with a policy from a reliable Commercial Auto Insurance carrier. You can also go online and get a Commercial Auto Insurance quote to see how much your policy would be. Stay safe and keep your business on the move!

Business Insurance Quote