A white van on the road.

 Commercial Auto 

Vehicles used in conducting business, as opposed to those strictly for personal use, are typically insured under a commercial auto insurance policy, which protects the assets of the company from claims. 

If you are like most business owners, the separation between work and home is probably blurred.

Even if you only have 1 car for all your transportations needs, you are exposed to different risks when you drive for business than you are when your drive for personal reasons.  A commercial auto policy offers more extensive coverage.

What type of Vehicles Are covered under a Small Business Auto Policy ? 

Personal Cars wrap in Advertising
Limousines
Pickup Trucks
Buses
Food Trucks
Motorhomes
Emergency Vehicles
Delivery
Cargo Vans
Tow Trucks
Passenger Vans
Box Trucks
Flatbed Trucks

If you have employees that operate your cars, your commercial auto insurance policy can also cover them up to the limits of the policy.

BELOW THE 5 TYPES OF INSURANCE PROTECTION

A lawyer preparing a motion.

AUTO LIABILITY

AUTO LIABILITY  covers legal costs if someone sues over harm caused by your vehicle

A doctor looking at an RX

MEDICAL PAYMENTS

Medical Payments covers  medical payments linked to accidents

Crashed Car/collision coverage

COLLISION COVERAGE

Collision coverage pays to repair damage to your car from a collision with another vehicle.

Example of Comprehensive Coverage by TIL Florida

COMPREHENSIVE COVERAGE

Comprehensive pays for vehicle robbery and damage from other causes, such as vandalism

Man in Car. To Represent Uninsured Motorist

UNINSURED MOTORIST

Uninsured protects you in the event a driver without insurance injures the driver or passengers in your vehicle.   It can also cover damage to your vehicle from uninsured motorists.

A Commercial Auto policy is designed to protect a business, or vehicles  operated by employees, or vehicles with advertising, towing trailers, equipped with special equipment used in business or extend protection to a business entity for the use of "hired" or "NON OWNED"  USED FOR OR ON BEHALF OF THE BUSINESS.

If you use your vehicle for work, you may need a business auto insurance policy if you:
 
  • Deliver any goods, including pizza, flowers or other products.   Provide a service that involves regularly using a vehicle.   Carry equipment you use for work, such as cleaning or landscaping tools