Do I need a commercial auto insurance policy?
Whether you need to buy a commercial auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business. One common policy that business owners need is non-owned auto insurance, which covers the business use of private vehicles by business owners and employees alike.
While the major coverages are the same, a commercial auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options. If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage. Contact a Cravnes Warren commercial auto insurance specialist today to get more information and a free auto insurance quote.