Whether you drive a car, truck or van for business, we'll help ensure your auto policy fully covers you for your line of work.
When is a commercial policy necessary
A personal auto policy is not designed to cover the business use of a car, truck or van.
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If you drive a personal car for business or if you have employees driving as part of their job, then you probably need Commercial Vehicle insurance.
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Here are some instances when you'd need a Commercial Vehicle policy:
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If your business owns a vehicle.
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Using a vehicle to carry work equipment or materials.
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Yourself or employees using a vehicle on the job, whether you own the vehicle or not, including: doing pick-ups and deliveries, running errands or any driving on behalf of a business.
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Driving a vehicle to transport people or products for a fee.
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Other business uses of a vehicle, beyond simply driving to and from work.
What Commercial Vehicle covers
Commercial policies work similar to a personal policy, but there are important differences: different eligibilities and exclusions, levels of coverage and limits of liability that relate to business.
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This coverage can include:
1. Vehicle Repair and Replacement
For vehicles damaged or lost in an accident, for vandalism, theft, fire, weather events or other misfortunes
2. Medical Treatment
Care for yourself, others and passengers injured in an accident.
Still unsure if your personal auto policy covers you?
Just call. We'll ask you a few simple questions. Then you'll know for sure what type of driving is and isn't covered by your personal auto policy. It's always good to know now, rather than later.
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