Commercial AutoOur commercial vehicle plans help provide coverage for your work vehicles. It picks up the gap between regular insurance and it helps to protect your employees while they are driving.
Commercial vehicle insurance is a policy of physical damage and liability coverage for amounts, situations, and usage not covered by a personal auto policy. ... You may have heard of this coverage referred to as commercial auto insurance, commercial car insurance, truck insurance, or fleet insurance.
Commercial Auto Insurance vs Personal Car Insurance
When it comes to drivers, vehicles, and purposes, personal drivers don’t have the same kinds of car insurance concerns as do businesses. A personal auto policy covers the ownership of a personal car. A commercial auto policy coverages the business ownership of a car/truck.
Because the typical business has much higher liability exposure, they come with higher liability insurance requirements or at the least, recommendations. Generally, businesses deal with:
- Work gear.
- Other people and/or equipment.
The commercial car policy is what is required to sufficiently cover the above.
Drivers Who Need Commercial Auto Insurance
You need commercial auto insurance if you use your vehicle for work or own vehicles operated by a business.
Commercial car insurance coverage isn’t just about big rigs.
Commercial vehicles actually can include what you might consider “regular vehicles,” such as:
- Pickup trucks.
- Sports utility vehicles.
It also branches out to some of the vehicles you might more closely associate with commercial work, such as individual or fleets of:
- Trucks including dump, box, refrigerator, bucket and catering trucks.
- Any vehicles outfitted with work equipment.
- Utility vans.
- Limousines, taxicabs, and other livery vehicles.
- Rented or leased vehicles.
- Any vehicle owned or leased by a business, partnership, or other corporation.
Simply put, if you use a vehicle or vehicles for your profession or business (other than commuting to work), it’s likely you need commercial auto insurance.