Do you need commercial auto insurance? If you’ve been asking yourself this question, then you’re not alone. It’s pretty common these days for business owners to debate whether or not they need insurance for their companies. If you, or any of your employees, ever need to use a car for business purposes, then you’ll need commercial car insurance plans.
If the vehicle is owned by your company, make sure you add the name of the company on the policy rather than your own. This is because any insurance you get for your business will be separate from your own. Therefore, if you ever need to file a claim in the future, or if a claim is ever filed against your company, it will be easy to set things straight if your insurance plans are separated.
If you’re worried about whether or not you really need commercial auto insurance for your company, you need to at least do some research on the internet or consult with an agent. If you ask an agent for advice, you will be asked some questions about your business. Who will be driving your company vehicle? You, your employees, or both? How often is the vehicle in use for business purposes? Don’t become nervous when asked these questions; the agent will only be asking them in order to determine what type of commercial car or truck insurance you can qualify for.
You can still do some research on the internet first, if you so choose. There are some great websites that will allow you to request commercial auto insurance quotes. While you’re at it, make sure you understand the laws in your state. It all may seem confusing at first, but finding affordable, auto insurance for your company isn’t as hard as you may think.