As a business owner, you need insurance coverage for the cars, trucks, vans, or other vehicles you use in your business as you do for vehicles used for personal travel. Your Businessowners Policy (BOP) does not provide vehicle coverage, so you must have a separate policy.

Whether you use your car or a fleet of pickups, box trucks, and even trailers to get the job done, you must stay financially protected by getting commercial auto insurance coverage for liability, personal injury/medical, collision, and more — to keep your business moving forward. Plus, if your employees use their vehicles to perform deliveries, make sales visits, or run errands for your business, you could be liable for any accidents they cause. Unfortunately, the line between personal and commercial vehicles is sometimes unclear.

You may need this policy if you’re a sole proprietor who owns a vehicle used primarily for business. A commercial policy typically has higher liability limits than personal auto insurance.

For small businesses, the line between what is considered a personal vehicle and a commercial vehicle often needs to be clarified. Sometimes small business owners and employees use their personal vehicles to travel to job sites, transport equipment, or deliver goods.

Personal auto insurance policies almost always exclude business use. That means you’re not covered if you get into an accident while driving for work (with the exception of your commute).

The main difference between personal and commercial auto insurance is who owns the vehicle. If your business owns a vehicle, it must be covered by commercial auto insurance.

Commercial auto insurance covers accidents that occur while you or your employees are driving a company vehicle. While both personal and commercial auto policies pay for legal and medical bills related to auto accidents, commercial auto insurance usually covers higher claims, different types of vehicles, and more complex legal issues.

A commercial policy typically insures all the business’s employees as additional insureds, which means every employee with a valid license can use the vehicle.

It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.