Does My Small Business Need Commercial Auto Insurance?

Commercial Auto Insurance for Small Businesses

When it comes to small businesses, decipher if you need commercial or personal auto insurance.

As a business owner, you’ll want to safeguard your company from ruin and damage as best you can. For all those small businesses striving to reach perfection (or world domination), protective insurance policies are the way to go.

Whether you own a pizzeria, bakery, or party bus, if you use a vehicle in any aspect of your business, you’ll need commercial auto insurance. Even if you only make deliveries every other weekend or pick up equipment once a month, if your journey is business-focused, then your personal auto coverage won’t protect you.

Your business will need commercial auto insurance if:

  • You’re using your vehicle to transport goods or people
  • You use your vehicle to conduct a service
  • You need higher limits of liability because of the nature of your work
  • You haul a considerable weight in tools or equipment or towing a trailer use to conduct your business
  • Employees operate the vehicle or if ownership is in the name of a corporation or partnership

If your company matches any of the above criteria, it’s time to get searching for the right commercial auto insurance policy. Standard coverage includes:

Liability coverage – Providing protection against liability for bodily injury and property damage to others caused by the maintenance or use. This includes loading and unloading for your company-owned cars.

Uninsured/underinsured motorist coverage – Coverage for incidents resulting from drivers who have too little or no insurance.

Physical damage coverage – Protects your vehicle from accidental loss or damage, such as collision coverage, comprehensive coverage, and specified causes of loss coverage (fire, theft, hail, windstorms, etc.).

Are you ready to secure your business with the needed commercial auto insurance for the roads ahead? Contact Ron Young Insurance to get started on your Burbank, California policies today.


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