Many small business owners — contractors, delivery drivers, and real estate professionals — use personal auto policies to insure vehicles used for work. Unfortunately, most personal auto policies exclude coverage for business-related accidents. That means if your employee is delivering materials, visiting a job site, or transporting clients and gets into an accident, your personal auto policy may deny the claim. You could be left paying for vehicle damage, injuries, and even lawsuits out of pocket.
A commercial auto policy is built for business use. It covers:
- Work vehicles and drivers using them for business tasks
- Higher liability limits (often required by contracts or municipalities)
- Hired and Non-Owned Auto coverage, which protects when employees use personal or rented vehicles for work
For contractors, HVAC companies, plumbers, and real estate managers, commercial auto insurance ensures your business assets and employees are protected — wherever the road takes you.
Stay Tuned For Other Great Reads In This Month’s Newsletter
- Protecting Your Tools & Equipment from Theft
- Fire Safety for Business Owners: Prevention & Insurance Gaps
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