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Equipment | Fleet
Businesses are required to have a Buisiness commercial automobile insurance policy if vehicles are used for tasks related to the operator’s occupation, profession or business other than commuting.
Business Auto also known as Commercial Auto Insurance provides businesses with the required Liability and Personal Injury Protection coverages as well as optional coverages for physical damage to automobiles owned, leased or hired by the named insured.
Without a commercial automobile policy, if you are involved in an accident while using the vehicle for tasks related to the operator’s occupation, profession or business other than commuting, the damages may not be covered by your personal auto insurance policy.
Commercial Automobile Insurance is required:
- If employees operate the vehicle or if ownership of the vehicle is in the name of a corporation or partnership.
- If you are using your vehicle to transport goods or people for a fee or if it is used to conduct a service.
- If higher limits of liability are necessary due to the nature of your work.
- If you haul tools, equipment or towing a trailer used to conduct your busines, you may be required to have a commercial vehicle insurance policy.