commercial car insurance

Do you like many owners of small businesses rely upon an individual auto insurance policy to cover your business? This may be acceptable when the company is very small the owners is the only one to drive the vehicle & no inventory supplies or passengers are involved. But as the company grows beyond this relying upon personal auto policies can be a problem.

Indeed as the businesses grow they do start moving inventory carrying supplies & allowing employees to drive the business owner’s car.

But let us consider the first issue. Have you told your insurer you use your car for business? If not you could be taking a big risk as your personal policy may not have coverage limits that are adequate or you may actually be violating your policy.

Mileage limits could be too low. If you covered your car when you just use to use it to shop for groceries or ferry kids to soccer games you may be exceeding the mileage estimates you declared when you filled out your initial application.

Are you an employer who allows your workers to take your own personal vehicle on work errands. Or do you expect them to drive their own car on company business? This situation should call for consideration of commercial insurance.

You need to be concerned about damage to your own vehicle & also to other people’s cars & property. But you also need to make sure that your business is protected in case your employee or another person is injured in the accident. Do you pick up passengers? Personal injury suits are serious these days. If you pick up passengers to conduct your business your standard personal injury limits may be way too low.

What do you carry in your car? If you transport inventory or supplies you are risking loss through damage or theft if they are not properly covered. Many small businesses really cannot afford to replace these items. Proper business car insurance can minimize risk in case of an acciden or theft.

You do not want to risk your business because you lack property business car insurance.

Get more help with Commercial Vehicle Policies .