Personal cars aren’t covered by commercial auto insurance.
Vehicles owned by a company are the only ones covered by commercial car insurance. Unless it’s the vehicle’s principal use, it won’t cover commercial usage.
Employees who do errands for the company in their cars may require hired and non-owned auto insurance.
Furthermore, the following are not protected by this insurance:
- Equipment for your vehicles
- Providing ridesharing services, like with Uber or Lyft, using the automobile.
- Work-related injuries (often covered by workers’ comp insurance)
- Problems with leased or rented automobiles
Why do businesses require vehicle insurance?
You need commercial auto insurance if your company has cars and utilizes them for business purposes.
- Get there and back again
- Carry company machinery and other equipment
- Carry customers or workers
- Automobile insurance for businesses
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Commercial car liability insurance is recommended if your firm involves customers or workers using their vehicles. If one of your drivers is proven legally responsible for another person’s injuries or property damage, our car liability insurance can help protect you and your business. If your company faces a lawsuit because of a covered accident, this insurance might assist in paying legal fees.
We provide commercial vehicle liability insurance for everything from corporate fleets to dealerships to motor carriers.
