We have yet to compete against another carrier that beats our commercial auto rates!
Our customers save on average 37% or more! (and often the savings exceed 50%!)
It is critcally important to determine if you are required to carry commercial auto coverage vs. personal auto coverage. Many business owners simply believe that if their car is titled in their personal name, then commercial auto insurance is not necessary and their personal auto insurance will provide coverage. This is not true! Personal auto policies exclude coverage while driving your vehicle for business use! Many of the victims of this mis-information are contractors, who personally own their vehicles but use them for business use. Below we have listed the criteria for when commercial auto insurance is required. Keep in mind the DMV will never tell you which type of insurance coverage is required, since it is solely a concern of insurance carriers. If you currently carry personal auto insurance, but your vehicles use matches any of the items below, you are at risk for an unpaid claim and/or a policy cancellation!
Most likely we will save you money when switching from a personal to a commercial auto policy! And if you already carry commercial auto insurance, we can save you even more!
Click here to read about the advantages a New York Commercial Auto
policy provides, over a NY personal auto policy.
Click here to read about the advantages a Pennsylvania Commercial Auto policy provides, over a PA personal auto policy.
Understanding When Commercial Auto Insurance Is Required
Here are just some of the things you need to consider when deciding if you need a Commercial Auto Insurance Policy:
- Registration: Who’s Name is the vehicle registered in? When the vehicle is
registered in the name of the business then you definitely need commercial auto
insurance. If the vehicle is registered in your personal name, it does not mean you
automatically should get personal auto insurance on it. A lot of times a solely
owned business will have a vehicle registered in the name of the owner. If the
vehicle is being for business and personal use though, then you need
commercial auto insurance!
- Who Drives?: Another sign that you need a Commercial Auto Insurance Policy
is if other employees at your company are driving the vehicle. Commercial
policies allow you to list the employees as drivers and allows them to drive the
company vehicle, as well as being covered if an accident occurs. Just because
you do not have any employees that drive the vehicle, doesn’t mean that you do
not need commercial auto insurance though. All it means is that if you do have
employees that drive the vehicle, you absolutely need it!
- Business Use: Is the vehicle getting regular business use? A vehicle getting
regular business use is defined as one that is used for commercial purposes, on
average, more than 3 times in a 1 month period. If your answer is “YES,” then
commercial insurance is right for you.
- What is Business Use?: Before we discuss what constitutes business
use, let’s talk about what business use isn’t. Only driving to and from your
principal place of work is considered commuting and does not require a
commercial policy. This is covered under a standard personal auto policy.
If you use the same vehicle to then travel to clients or job sites, depending
on how often you do this and the nature of your work, you may need
commercial auto insurance.
- If you do any of the following “GET A COMMERCIAL AUTO POLICY!”
Carrying Equipment (tools, supplies, etc.)
Delivery of Goods( including but not limited to flowers, pizza, retail & wholesale
Carrying Hazardous (or flammable) Material
Carrying Housekeeping Equipment for a Business
Equipped with Cranes, Winches, Snowplows (not for use on private
property only)
Messenger and/or Chauffeur
Towing for Hire
Taxi Driver
Rural Newspaper Delivery
Trucking-Local and Long Ha
