What Does Commercial Auto Insurance Cover?
Commercial Auto Insurance can help pay to repair physical damage to the vehicle you drive for business if it's damaged by theft, weather events, or collisions. It can also pay for lawsuit costs associated with accidents, such as medical expenses and legal fees.
Let's take a more in-depth look at business auto insurance coverage and how it protects your company.
Commercial Auto Insurance Coverage: What's Included
A commercial auto insurance policy usually offers four major types of protection:
Do I Need Commercial Auto Coverage If I Have a Personal Auto Policy?
It depends. If you only use your personal vehicle to commute and to occasionally meet a client, your personal auto coverage might be enough.
However, business auto coverage might be a better fit if:
Commercial Auto Insurance offers useful protection, but it doesn't cover employees who drive their personal vehicles for business. Your business can be held liable for accidents that happen during these company errands, so it's smart to have Hired and Non-Owned Auto Insurance just in case.
Hired and Non-Owned Auto coverage offers liability protection for accidents that happen when employees drive their own vehicles on behalf of your business. If your employees frequently use their personal vehicles to do their job, you may want to consider purchasing this policy.
That's the beauty of small business insurance – there's a policy for most of your business needs!
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Honesti Owens, Ph.D.
Commercial Specialist, P&C Instructor, & Notary
Licensed Agent, Accident, Sickness, Casualty, Life & Property
AL, FL, GA, IN, LA, MD, NJ, OH, SC, TN, TX, VA