Commercial car insurance is a type of auto insurance that protects vehicles used for business purposes. Commercial auto insurance policies typically include coverage for liability, property damage, and medical payments. Generally speaking, anyone who owns or operates a commercial vehicle can get commercial car insurance.
This post will address the following questions:
- What is commercial car insurance?
- Who needs commercial car insurance?
- What is included in commercial auto insurance?
- What is NOT included in commercial auto insurance?
What is commercial car insurance?
Commercial car insurance specifically protects vehicles that are used for business purposes and can cover any type of vehicle including cars, trucks, and vans. Commercial auto insurance policies typically include coverage for liability, collision, and physical damages.
Who needs commercial car insurance?
Anyone who uses their vehicle as part of their occupation may want commercial car insurance because it will provide added coverage against accidents or other incidents which might damage the vehicle. Commercial car insurance policies may also cover vehicles that are used for personal use in certain circumstances, including when transporting employees or goods for a business purpose.
The type of policy you need will depend on the nature and usage of your vehicle, so it’s important to speak with an insurance agent if you’re not sure what type of policy is needed for you.
It’s important to note that private passenger vehicle owners and drivers do not need a commercial auto insurance policy because their personal policies will cover them in the event of an accident.