Commercial Auto Insurance
Commercial Auto Insurance Information
As a contractor and business owner, your vehicle is used for more than just personnel errands and your personal auto insurance company probably won't cover your claim if you're in an accident while using you truck for construction or business reasons, but you still need liability, collision and comprehensive, personal personal injury protection (medical payments) as well as coverage for uninsured motorists. Also, if the vehicle is owned by the business, you need to make sure that the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether or not you need to purchase a business (commercial) auto insurance policy depends on the kind of driving you do and the nature of your business. While the major coverages are the same, a business auto policy differs from a personal auto policy in a great many technical respects and we'll be happy to explain these to you in as much detail as you would like so that you can rest assured knowing that you and your business are properly protected.