BUSINESS AUTO INSURANCE

Business auto insurance is a type of insurance coverage designed for small business owners who use vehicles for business purposes. It is important to note that business auto insurance differs from commercial auto insurance. Commercial auto insurance is designed for businesses that primarily use vehicles for commercial purposes, such as trucking companies and taxi services.

Business auto insurance policies provide coverage for vehicles owned, leased, or rented by a business. This coverage typically includes liability coverage, which protects the business in the event of an accident where the business is found to be at fault. It also includes physical damage coverage, which covers the cost of repairing or replacing the vehicle if it is damaged or stolen.

In addition to liability and physical damage coverage, business auto insurance policies may also include coverage for uninsured or underinsured motorists, medical payments coverage, and coverage for employees using their personal vehicles for business purposes.

It is important to note that business auto insurance policies do not cover vehicles that are used for personal purposes, such as commuting to and from work or running personal errands. Personal auto insurance policies are designed to provide coverage for these types of vehicles.

When purchasing business auto insurance, it is important to work with an experienced insurance agent who can help you determine the appropriate level of coverage for your business needs. Factors such as the type of vehicles you use, the number of vehicles in your fleet, and the driving history of your employees can all impact the cost and coverage of your policy. Call one of our knowledgeable agents today for a free consultation.

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