Commerical Auto
Why would I need a commercial auto policy? To answer this, we first need to know what you’re intended use for the vehicle is and who owns it. Is it a car owned and registered to a business? Is the vehicle used to transport machinery, tools, and goods for a business frequently? Are your employees using the car as a method of transportation provided by your business?
If your answer was yes to any of the following, most likely you need a commercial auto policy.
Commercial auto insurance is a policy that applies to vehicles owned and used for business purposes to protect your business against liability claims caused by the vehicle and provide a level of compensation to dose affected by the damage your vehicle caused.
What is covered by commercial auto insurance?
- Damage to your vehicle(s)
- Driver injury
- Injury to someone else
- Damage to someone else's property
*Commercial policies tend to have higher coverage limits than personal policies*
Who needs commercial auto insurance?
We often cover vehicles used by:
- Construction workers and contractors.
- Landscapers and other services
- Caterers and food vendors
- Other business types, like real estate and account representatives on the field.
If you drive for Uber, Lyft, or a delivery service like Amazon Flex or Grubhub, you need rideshare insurance instead.
“ But what if I don’t want a commercial policy? “
Well… the following may be at risk:
- Limited or no coverage for accidents while using your vehicle for business
- Paying out of pocket for repairs, injuries, and more
- Losing your auto coverage