Hello, my name is Cliff Bolton. Welcome to my site about vehicle insurance. I wanted to learn all I could about insurance before I started driving to go into the decision-making process with ease. Once I started exploring the insurance industry, however, I could not stop reading. I learned all I needed to know to obtain car insurance and much, much more. I created this site to share this knowledge with my readers. I hope to help others tackle this important decision without worry. Please feel free to drop by daily to learn new information about this important topic. Thank you for visiting my site.
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If you are operating a large commercial truck, the need to purchase commercial auto insurance is rather obvious. However, many small business owners and even sole proprietors can actually find themselves in need of this type of automobile insurance without realizing it. Unfortunately, far too many of these individuals do not discover this fact until they find themselves dealing with an insurance claim against their personal insurance policy that has been denied because they failed to purchase the right type of insurance coverage. Thankfully, you can help to avoid finding yourself in this same situation by taking a few minutes to answer a couple of basic questions to determine whether or not you do in fact need to purchase commercial automobile insurance.
Do You Make Deliveries Or Transport Inventory?
Many small business owners will either deliver their products locally or pick up inventory from local vendors using their own vehicles. While this is often the most cost-effective way of getting things done if your business does not deal with large volume sales, it is important to note that personal auto insurance policies often exclude coverage for items that are being transported for business use. This means that you will not be able to file a claim against your personal insurance policy if these items are lost, damaged, or stolen during transport. In order to be able to file a claim, you will need to purchase commercial automobile insurance coverage.
Do You Visit Customer's Homes Or Work Sites?
Whether you are in the business of selling products or providing services, if you find yourself working away from the office, you should know that the time you spend in transit is still considered to be time that you are on the clock. If you are operating your vehicle for work purposes, you will need to purchase commercial automobile insurance. This requirement still applies even if you are driving your own personal vehicle that you also carry personal automobile insurance coverage on.
Do You Have Employees That Drive Your Vehicle?
If you allow any of your employees to operate your vehicle while on the clock, you need to purchase commercial auto insurance coverage. This requirement applies even if the tasks your employee is completing are personal in nature. For example, if you allow an employee to take your vehicle while on the clock to pick up lunch for you and your colleagues, this still falls under a business-related task despite the personal nature of the errand.
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