If your business owns or leases vehicles, you need commercial auto insurance. It’s common for owners of small businesses to believe that their personal auto policy will cover their work cars or trucks. However, that may not be the case. To ensure your company is properly protected from liability or losses related to the use of vehicles for work purposes, you’ve got to have commercial auto coverage.

If you’re a transportation company owner or decision-maker, you surely do all you can to operate your business safely. However, companies like yours face many risks over which they have no control. Bad roads, inclement weather, and the people with whom your vehicles share the road probably come immediately to mind.

Commercial auto insurance is vital for every business that owns vehicles and uses them for work purposes. Unfortunately, an accident can occur at any time, so you need to have proper coverage in place.

If you own a small business where vehicles are used to make deliveries, travel to meetings or work sites, run errands, etc., you’ve probably wondered, “Do I need commercial car insurance?” That’s an important question to ask, since even minor accidents can produce major financial burdens if they aren’t covered by insurance.

If you use cars, pickup trucks, or other vehicles in the course of doing business, you need commercial car insurance. Having proper coverage can keep you from having to pay for bodily injury liability, property damage liability, medical expenses, damage to your own vehicle, and other expenses out of pocket.

The vehicles you use for conducting business are insured separately from your personal vehicles. Business vehicles should be protected under a commercial auto insurance policy, which covers: