Figuring out what kind of vehicle insurance and how much you need can be confusing. Whether you are a small business with one or two vehicles and as many potential drivers, or a large company with a fleet of vehicles and a sizable number of drivers, you need commercial auto insurance, not personal insurance.
Unlike a personal auto insurance plan, commercial coverage is designed for the needs of businesses that have several drivers and multiple cars. It works around the possibility that every employee within the company will drive the vehicles, so the liability protection is usually greater than the amount provided under a personal plan.
Commercial car insurance covers the same major coverages individuals purchase (usually at higher limits); however, there are many add-ons more suited for commercial driving, such as coverage for your employees and equipment.
Commercial coverage isn’t just for companies that drive big rigs. Commercial vehicles cover your everyday vehicles, such as cars, pickup trucks and sports utility vehicles.
Simply put, if you use a vehicle for work (other than commuting to work), it’s likely you need commercial auto insurance. Contact Zellner Insurance to learn more about how much coverage you need, and the policy that’s right for you.