| Does your company need a commercial car | | | | repair bills but also those of everyone else that |
| insurance policy? Or can you continue to get by | | | | was involved in the accident (and let's not forget |
| using your personal vehicle for the occasional | | | | any public property-guardrails are more expensive |
| company errand? It can be hard to tell when just | | | | than they look!) you want to make sure that that |
| a little isn't enough and it's time to start shopping | | | | you've got the right kind of coverage. Workers |
| around for a commercial insurance policy (or put | | | | who could and should be covered under a |
| your foot down and make your boss put you on | | | | commercial policy include (but may not be limited |
| theirs). The question is, who needs commercial car | | | | to): |
| insurance anyway? | | | | · Pizza Delivery |
| The answer is: anyone. Anyone that spends time | | | | · Catering |
| behind the wheel when they're at work needs to | | | | · Newspaper Delivery |
| look into purchasing a commercial car insurance | | | | · Construction |
| policy. Want to guess why? Because cars that | | | | · Door-to-Door Sales or Consulting |
| are used at work as well as on the way to and | | | | · Landscaping/Snowplowing |
| from work are considered more likely to be in an | | | | · Day Care |
| accident by their insurance companies. That's why | | | | · Real Estate |
| every time you ask for a car insurance quote | | | | There are more benefits to being covered by a |
| one of the first questions they're going to ask | | | | commercial policy than actually getting your claims |
| you is what you're doing with your car-and the | | | | paid, although that's important too! Commercial |
| answer had better be what they want to hear! | | | | insurance policies usually have a higher liability limit |
| It's important to make sure your vehicle is | | | | than a regular policy, which is great news when |
| "properly classified" as either a work vehicle or a | | | | you're driving around with a truck full of |
| personal use vehicle. Want to guess why? | | | | equipment, and if one of your employees needs |
| Because if your car is listed as 'personal use only' | | | | to use a company vehicle they'll be covered under |
| and you get in an accident using it for business | | | | the insurance policy too. Most importantly, picking |
| purposes your insurance might not pick up the | | | | up a specialized commercial car insurance policy is |
| tab. You could be stuck paying for thousands of | | | | considerably nicer on your business budget than |
| dollars in repairs because you didn't tell your car | | | | trying to include your company vehicles with your |
| insurance company that you used the vehicle | | | | personal coverage. |
| every Monday, Wednesday and Friday to run lab | | | | So who needs commercial car insurance? Anyone |
| specimens all over town and you got in an | | | | who owns a business and wants to see their |
| accident out on the highway. | | | | business dollars getting spent where they can do |
| Since the last thing you want is to find yourself | | | | the most good. |
| holding the bag for not only your own medical and | | | | |