If you're a business owner who depends on your vehicles, ask your agent if
your insurance policy provides the protection you need. A commercial policy
may be the solution and can be customized to fit your specific business needs. HOW DO I KNOW WHEN I REALLY NEED A COMMERCIAL AUTO POLICY? The definition of “commercial use” varies by company. You should talk with your agent about a commercial auto policy if:
• You have a trailer or permanently attached
equipment like ladder racks, shelving, etc.
• You have a commercial license plate
• You have other people drive your vehicles for work
WHAT ARE SOME EXAMPLES OF THE TYPES OF BUSINESSES THAT WOULD REQUIRE A COMMERCIAL AUTO POLICY?
Generally, business classifications like sole proprietorships, partnerships or corporations would require a commercial auto policy. Some business type examples include pizza
and newspaper delivery, real estate, catering, door-to-door consulting services, landscaping or snowplowing services, and day care or church van services.
WHAT KIND OF LIABILITY LIMITS DO I NEED?
As a business owner, you may want higher liability limits. to meet contractual needs or just to better protect the business you've built. In general, a commercial auto policy can offer higher liability limits than a personal auto policy. DOES MY PERSONAL POLICY COVER ME FOR BUSINESS-SPECIFIC ISSUES?
Coverages can vary. For example, if a trailer attached to your vehicle damages another vehicle while on a job, your personal auto policy may not cover the repairs. A
commercial auto policy usually will.
DO THE PASSENGERS OR CONTENTS IN MY VEHICLE MATTER?
Historically, personal lines carrier policies exclude coverage when persons or property are being transported for a fee. We have a commercial program will fit the needs of taxi and
black cars, including full-time Uber and Lyft drivers.
WHAT ABOUT CERTIFICATIONS OR FILINGS?
Documentation requirements—like certificates of insurance or filings for trucking—are generally good indicators that a commercial policy is needed.
Want to chat with an agent about commercial auto?