Business auto (also called “commercial auto”) is a type of policy that helps cover vehicle damage and driver injuries for cars, trucks and vans used for business. If you or your employees use your vehicle as part of your business, you need a commercial auto policy.
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What Does It Cover?
Without business auto insurance, you risk paying out of pocket for repairs, injuries, and more if you have an accident while using your vehicle for business. You also risk losing your personal auto coverage. With this insurance, however, you are covered for things like:
- Damage to Your Vehicle(s)
- Driver Injury
- Injury to Someone Else
- Damage to Someone Else’s Property
Who Needs This Insurance?
If you or your employees use your vehicle as part of your business, you need a commercial auto policy. This list often includes contractors such as carpenters, electricians, painters, plumbers, HVAC professionals, as well as food vendors, caterers, sales, real estate agents, and more.
Note that that this type of insurance does not cover those who drive for Uber, Lyft, or a delivery service like Amazon Flex or Grubhub. In those cases, you need rideshare insurance instead.
We can work with you to determine what coverage best fits your needs. We’ll walk you through the process, every step of the way, to make sure you have the protection you need for peace of mind.
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