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Commercial Auto Insurance Coverage
Small business owners may be tempted to rely on their personal auto policy rather than buying commercial auto insurance for vehicles used primarily for business purposes. However, personal auto insurance excludes coverage for business-related activities. If you are using a vehicle for your business, it is important to get a commercial auto insurance policy to protect it.
Personal vs. Commercial Auto Insurance
A commercial auto insurance policy provides coverage for business-related driving activities, which is important because personal auto insurance won't necessarily cover any business-related auto accidents. Commercial auto insurance also offers higher liability levels than personal auto insurance.
If an employee regularly drives the car, the commercial auto insurance policy allows you to add that driver's name to the policy and extend coverage. If an employee goes out on company business in their personal vehicle and then gets into an accident, coverage can be added to protect your business from that liability as well.
How Rates are Determined
Commercial auto insurance rates are based on several factors, including:
How to Keep Rates Low
There are several ways to lower the cost of your commercial auto insurance policy:
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