Many small business owners and contractors assume that only large corporations, construction companies, and delivery drivers need to carry commercial auto insurance. Unfortunately, this is a common misconception that could expose you to serious liability. K.L. Smith Agency, a group of insurance specialists based in Willimantic, CT, explains that commercial auto insurance applies to more situations than you might think.

According to their experts, you might need special commercial coverage if you use any vehicle, even your own personal car, for most business purposes, including:

• Transporting Dangerous or Flammable Material
• Carrying a Winch or Using a Plow
• Delivering Any Food, Newspapers, or Other Retail Products
• Offering Ride Services as a Taxi or Chauffeur Service
• Transporting Business Equipment

While some situations might be covered by your personal car insurance policy, most insurers will deny your claim if they find that you were using your vehicle to make money at the time of the accident. This is especially true if you have passengers in the car or your employees were using your personal vehicle to run errands or make deliveries.

Like your personal policy, commercial auto insurance includes a range of coverage, which your agent can tailor to your unique needs. Every business requires an investment of both finances and sweat equity, which is why this protection is so important. If an employee causes an accident while delivering products to a vendor, your insurance company might deny your claim, which opens the door for any victims to file a suit against your business.

For over 60 years, K.L. Smith Agency has been helping Connecticut business owners protect their assets with comprehensive insurance products tailored to their unique needs. Call (860) 423-9294 now to find out whether you need commercial auto insurance today, or just visit their website to get quotes and make an appointment.