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Does My Personal Auto Insurance Cover Business Use?
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Commercial Auto Insurance vs. Personal Auto Insurance
Commercial and personal auto insurance offer different levels of coverage and protection, so it’s important to know the differences between the two. Typically, commercial and personal auto insurance polices differ in terms of:
- Who owns the vehicle: If you own, lease or rent a car or truck for your business, it’s best to have a commercial vehicle insurance policy. A commercial auto policy can also protect you if you have any employees who drive their own vehicles for business purposes. A personal auto policy is most helpful for protecting you and your immediate family members when driving cars for personal use.
- Who drives the vehicle: All of your business employees with valid drivers’ licenses would be covered under your commercial auto insurance policy as additional insureds as long as they’re driving a covered company vehicle. If one of your family members drives your company-owned vehicle and are not employed by your business, they will not be covered by your commercial auto policy if they get into an accident.
- How the vehicle is used: If your personal vehicle is registered as a company vehicle, you can receive coverage for work-related driving tasks, like visiting job sites or delivering goods.
- Type of vehicles covered: Commercial auto insurance can protect a more extensive variety of vehicles used for business purposes, like cars, vans, pickup trucks, box trucks and service utility vehicles. On the other hand, personal auto coverage typically provides protection for cars, vans or pickup trucks you use for all non-business driving.
- Amount of liability coverage: Commercial vehicle insurance typically has more comprehensive liability coverages. This is because an accident involving your company cars, trucks, vans or other vehicles could put your business assets at risk.
- Policy limits: A commercial auto policy usually offers higher liability limits than a personal auto policy. Coverage limits within a personal auto insurance policy tend to be lower because they only cover you and your immediate family members.
Do I Need Both Commercial and Personal Auto Insurance?
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Get Insurance for Your Commercial Vehicle From The Hartford
We know that small business owners face unique risks on and off the road. We can work with you to customize your policy so that it meets the specific needs of your business. Llame al 855-860-9763 today to get a commercial auto insurance quote and learn how you can protect your business with The Hartford.
Última actualización: 28 de junio de 2024
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