A business auto policy differs from a personal auto policy
Garland Insurance Protects Commercial Vehicles
As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal travel — liability, collision, and comprehensive medical payments (known as personal injury protection, or PIP, in some states) and coverage for uninsured motorists.
Learn how the right policy can help you avoid possible confusion if you need to file a claim or a claim against your business.
Needed for more than semis and work trucks
Protect Vehicles Used For Errands, Tools, or Clients
Liability and physical damage protection for commercial vehicles, such as cars, trucks, and vans, that are used for business.
Commercial auto Insurance for Any size fleet
Garland Insurance Protects Large Commercial Vehicles
Large commercial vehicle or fleet insurance can cover employees operating the vehicle and the equipment inside.
Commercial Auto Insurance FAQs
As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection, or PIP, in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure. If the vehicle 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.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you 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.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
Yes. Commercial auto insurance covers both commercial and personal use.
Personal auto insurance does not cover business use.
Regular drivers of a commercial vehicle should be named on the policy.
Additional drivers may be covered, but there are restrictions if the person is not listed on the policy.
It depends on the policy.
Tools and equipment permanently attached are covered by a commercial auto policy.
A typical policy doesn’t cover unattached ladders, tools, and other equipment. The additional tools, equipment, or materials require additional coverage called an inland marine endorsement to be added to the general liability policy.
When using a personal vehicle for a delivery for a fee service, including pizza delivery and most other delivery services, you most likely need commercial auto insurance.
Most personal auto insurance policies won’t cover losses while delivering for a fee. Your claim might be denied and you could also be held personally responsible for damages. A commercial auto policy can prevent this from happening.
Rideshare companies typically offer insurance when you’re driving for them. However, it may have restrictions and you should add coverage to your personal auto insurance. These additions are usually done with policy amendments called endorsements.