As a business owner, you need the same kinds of insurance coverages for the auto you use in your business as you do for the autos used for personal travel. That is liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the auto is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. We will review the 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.
Give us a call and we’ll help design and quote the right policy for your business autos
