Everyone can benefit from making a little extra money, but if you’re planning on taking on a new side gig as a ride-share driver or delivery driver, your current auto insurance policy may not provide enough coverage. The team at Custis Insurance Service in Sheffield Lake, OH, wants to keep you protected at all times. They know certain side jobs place different demands on insurance policies and what types of coverage customers need to protect their vehicles and interests. Here, they explain why business insurance is essential for people who make money on the road.

Delivery Driver

Delivering food during the lunch rush or late-night hours is a fantastic way to bring in extra money. However, your auto insurance policy might not offer sufficient protection on the job. If you accidentally back into a parked vehicle or a homeowner’s mailbox during a delivery, then the damages might come out of your pocket. Most policies protect drivers when they’re using the vehicle for personal purposes and may stipulate that any damage done in the course of commercial work is covered. Before taking the job, make sure your policy extends protection for both uses and upgrade to a more comprehensive policy if your current one is lacking.

Ride-Share Driver

Throughout the country, companies are starting to offer alternatives to traditional taxi services, allowing anyone with a driver’s license and a clean driving record to earn money. Working for a rideshare company means you’re using the car for business, so a commercial policy is required to protect the vehicle and passengers alike. While some rideshare companies provide coverage to qualified drivers, you should still speak with an insurance agent to make sure that you have adequate coverage.

Short-Term Car Rental

If you travel frequently, then your vehicle sits unused in a parking lot or garage more often than not. Under these circumstances, some people choose to rent their cars out, helping offset some of the costs they incur while traveling. However, your personal car insurance policy will not protect the vehicle when it’s used as a rental. Since loaning the car to another person involves collecting a fee, it is not considered personal use. You will need a dedicated commercial or business auto insurance policy to cover any damages or accidents that might occur while the car is in someone else’s possession.

If you’re taking on a new job that involves using your car, don’t spend your hard-earned money on the wrong insurance plan. Let the experienced agents at Custis Insurance Service match you with a commercial auto insurance policy that meets your needs. Their dedicated staff understands the unique requirements of today’s driving jobs and will make sure you’re protected. Learn more about their coverage options online, and call (440) 949-­7171 for a free insurance quote.