If you rely on your car to make money or if you own a business that uses company vehicles, ordinary auto insurance isn't going to provide the necessary protection. Instead, you need a policy specific to commercial cars. Without it, the insurance company will likely deny your claim should you get into an unfortunate accident. The guide below explains this coverage in more depth.

What Kinds of Vehicles Need Business Auto Insurance?

When it comes to semi trucks and delivery vans, it makes sense why these large and unwieldy vehicles are excluded from normal auto insurance policies, but everyday vehicles like your sedan can need business coverage if you use it for work-related reasons. This can even hold true if you make money delivering pizza or driving for ride-hailing companies like Uber® and Lyft® since your chances of getting into an accident increase along with the extra miles you are putting on your car.

What Does This Policy Cover?

Business auto insurance covers the same liability and collision provisions as ordinary auto insurance, as well as helping pay for any necessary medical costs. You can also add additional coverage depending on the needs of your business. For instance, if you're going to have employees driving your vehicles, you want a rider to cover them. If you carry expensive equipment, it’s worth having extra insurance in place to reimburse the costs of any inventory lost in an accident.

Do you need commercial auto insurance? Contact Sweeney Insurance Agency in Kodiak, AK. For over 40 years, they have provided the area's residents with knowledgeable advice and optimized insurance plans from Allstate® and Safeco®. Their policies cover both commercial and private clients, helping provide invaluable peace of mind. To review their list of products, view their website. Call (907) 486-3101 to speak to a representative and receive a free quote.