Commercial Car Insurance
Every business needs some form of insurance, and commercial car insurance is one of the most important types of coverage for companies that use vehicles. This type of insurance protects businesses from liability in the event that an employee causes an accident while driving on company business. It also provides coverage for damage to company vehicles, as well as any property that may be damaged in an accident. Commercial car insurance rates vary depending on the size of the business and the number of vehicles used, but this type of coverage is an essential part of doing business.
Summary of Commercial Vehicle Insurance
This is a type of vehicle that may be used for transporting goods or passengers.
Your business needs commercial auto coverage if you or your employees will use vehicles in their work. Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal vehicle policy will cover the auto.
Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes or have you pay more in your premiums if you use your personal vehicle for work-related things. For example, an outside sales representative who travels would pay more than a person who travels to their work and back.
A commercial car policy does the same thing as your personal auto policy. It provides coverage to repair or replace a vehicle damaged in an accident and it will pay the claims of any third-party injured in the accident.
Direct Insurances offers several policy options for commercial car insurance. We have extended riders for additional coverage, specialized coverage for the following businesses:
- Motor Freight Carriers
- Logging Trucks
- Construction Trucks
- Farm and Ranch Vehicles
- Courier Service Insurance
- Tow Truck Insurance
- Dump Truck Insurance