Insuring Your Company Vehicles
or Your Personal Auto Used for Business Purposes

Obviously, if you have a business and you have one or more company vehicles on the road, you should have commercial auto insurance for your car, truck, van or auto fleet. There are instances, however, in which you may be using your personal car for business and may mistakenly assume that your personal auto insurance will provide you coverage.

Since you never want to put yourself in a situation in which your carrier (1) refuses to continue to write your insurance coverage, (2) denies your claim or (3) raises your rates for making false statements on your insurance applications (they typically ask if your personal vehicle is being used for business), it's best to know the facts and be upfront before you encounter problems.

How do you know if you need business auto insurance? In general terms, the need for a commercial auto insurance policy will depend upon how often and why you are using your vehicle for business. Your agent at Cole Harrison Insurance can help advise you in this regard.

The coverages available for business auto insurance are basically the same as those on your personal auto policy ... liability insurance, collision and comprehensive insurance, medical payments (known as personal injury protection in some states) and coverage for uninsured and/or under-insured motorists.

It's important to note that if you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. We can help make sure you have sufficient business auto liability coverage.

Throughout our site, to return to our home page, just click on COLE HARRISON INSURANCE above the header image.