If you drive your vehicle for work, personal auto insurance does not cover any damage resulting from an accident. Therefore, you should consider getting a commercial auto insurance policy to protect yourself and your business. Here is a guide to understanding this type of policy.

What Is Commercial Auto Insurance?

A commercial auto insurance policy protects you and your business from exposure to liabilities that result from an accident. Like a personal auto policy, commercial insurance can include coverage for collisions, protection against uninsured motorists, and comprehensive coverage to insure against damage to your vehicle caused by theft, fire, hail, and other perils. The policy can also provide financial protection against personal injury, property damage, and other liabilities. The liability limits are typically higher with a commercial policy than with a personal policy.

What Type of Vehicles Are Covered By Commercial Policies?

Personal auto insurance policies can exclude certain vehicles from coverage. Box trucks, refrigerated trucks, dump trucks, catering trucks, utility vans, and other similar vehicles are not typically covered by personal auto insurance. Also, if you use your regular car, truck, or SUV for work purposes other than commuting, you should get commercial auto insurance.

What Is Considered Business Use?

Your personal auto insurance carrier can deny claims if you use your vehicle for business use, such as transporting goods and people or conducting a business service in your vehicle. Also, if you haul tools or equipment for work, or tow a trailer for business, you need a commercial policy. If employees operate the vehicle or ownership of the vehicle is in the name of the business, commercial insurance is your best option.

If you are looking for a commercial auto insurance policy, contact the experts at Barnes & Howell Insurance in Gainesville, GA. Their knowledgeable agents serve residential and business customers throughout Hall and Gwinnett counties and the entire state of Georgia. Because they work with over 50 insurance carriers, this independent agency can find the coverage you need at affordable rates. Call (770) 718-0202 to schedule an appointment, or visit their website for more information.