Commercial Auto Insurance
If you use a vehicle for work, you probably need a commercial policy. Not sure whether you need a personal or commercial auto insurance policy? Here are some things to consider when deciding what kind of insurance policy you need.
Types of Vehicles Commercial Auto Insurance Can Cover
Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:
How to Determine if you Need Commercial Auto Insurance
Personal auto insurance policies can provide enough auto insurance coverage for some businesses, especially if you're also driving your vehicle for personal use. However, if you require specific commercial auto insurance coverage, high Liability insurance limits, operate an unusual vehicle, haul special equipment, transport goods or people, or have other special needs, then you'll need commercial auto insurance.
“The above description provides an overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. Other terms, conditions and exclusions may apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.”
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