If you're a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that is tailored to more closely suite the needs and risks of a business vehicle operator.
Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy, courtesy of Henderson Insurance.
- Do you need more liability coverage than your personal auto policy provides? Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.
- Do you need special coverage for situations associated with conducting business? Commercial auto policies also usually offer certain coverages such as hired and no-owned auto coverage and coverage for towing a trailer for business use- that are not available with personal auto policies.
- Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.
- Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.
Rico Henderson is the owner Henderson Insurance Agency, providing Affordable Texas Auto Insurance. To learn more, visit his site at All-AboutInsurance.net today.
Henderson Insurance
3960 Broadway Blvd, Ste. 111
Garland, TX 75043
(972) 840 - 0700
