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Commercial Auto Insurance


Why You Need Commercial Auto Insurance
You wouldn't dream of driving your personal automobile without insurance. It's just as important to protect your company vehicles. Even if you have personal auto insurance, you still need commercial auto insurance. That's because vehicles involved in an accident while engaged in company business may not be covered by your personal insurance. To make matters worse, you could be charged with misrepresentation if you've placed a vehicle you use for commercial purposes under your personal auto policy.

What Commercial Auto Insurance Covers
There are a variety of coverages for your commercial autos and your agent or broker can help you choose the right one. The discussion should include business-use autos, pickups, vans, and trucks. You may also want to include a conversation about: (i) "non-owned" vehicles if your employees use their own vehicles to run errands; and (ii) rented vehicles if your employees rent cars when traveling.