Whether you use a single car or an entire fleet, having commercial auto insurance is vital. This coverage protects against liability, personal injury, medical expenses, and collision damages, ensuring your business operations continue smoothly. If your employees drive their vehicles for deliveries, sales calls, or errands related to your business, you could be held accountable for any accidents they might cause.
Even if you are a sole proprietor using your vehicle mainly for business purposes, a commercial policy from our Insurance Agency typically offers higher liability limits than personal auto insurance.
In small businesses, the distinction between personal and commercial vehicle use can often be unclear. Employees might use their vehicles for business purposes like traveling to job sites, transporting equipment, or delivering products. Coverage for corporate use is typically excluded from a personal auto insurance policy, leaving you unprotected if an accident occurs while driving for work, except for commuting.
The main distinction between personal and commercial auto insurance is the ownership of the car. Your company's vehicles need to be insured by commercial auto insurance.
Commercial auto insurance from our Insurance Agency covers accidents occurring while you or your employees drive a company vehicle. Both personal and commercial policies cover legal and medical expenses related to accidents. However, commercial auto insurance typically offers higher coverage limits, covers a broader range of vehicles, and addresses more complex legal issues. A commercial policy generally includes all business employees as additional insureds, meaning any licensed employee can operate the car.
For comprehensive commercial auto insurance tailored to your business needs. Contact our Insurance Agency today.