Foley, Alabama
820 South McKenzie St
Foley, AL 36535
(251) 943-3340

What Every Business Owner Should Know About Commercial Vehicle Insurance January 15, 2020

Foley, Baldwin
What Every Business Owner Should Know About Commercial Vehicle Insurance, Foley, Alabama

Contractors, mobile computer techs, and other small business owners who use their own vehicles for work often assume their personal auto insurance will cover them. Unfortunately, business uses of a vehicle are probably excluded, so without commercial vehicle insurance, you may be left paying for damages out of your own pocket. Here’s a closer look at why these policies are an essential investment for any business owner.

A Quick Guide to Commercial Vehicle Insurance

Even if you don’t own a fleet of vehicles, you still need commercial auto insurance to cover the cost of any accidents you might cause. Without it, your insurer might deny a claim that occurs while you’re transporting clients, making deliveries, or providing on-site services. Because auto accidents can be so destructive, the resulting lawsuit could seriously harm your business even if you successfully defend yourself in court.

What Does It Cover?

commercial vehicle insuranceUnlike your personal auto insurance policy, commercial coverage will pay for any damages caused by you or an employee, including other drivers’ medical expenses and auto repairs. If your vehicle is an important part of your business, collision and comprehensive coverage will pay for repairs, allowing you to get back to work as soon as possible. Finally, your commercial vehicle insurance policy will also cover any legal expenses related to an accident, protecting you from frivolous lawsuits.

How Much Coverage Do You Need?

Each state requires drivers to carry a minimum amount of insurance, but this may not be enough to cover the costs of even a minor accident. Most professionals recommend carrying liability coverage equal to all your other assets, including your business location, equipment, and inventory. Small business owners often worry that commercial auto coverage won’t fit into their budget, but in some cases, the premiums might actually be lower than a similar personal policy.


As a local, family-owned insurance office, Southern Insurance AL, LLC has been serving the Foley, AL, business community for nearly 30 years. Their independent agents maintain relationships with some of the best carriers in the industry, giving them a wide range of products to choose from. Visit their website for more on their coverage options or call (251) 943-3340 to request a free commercial vehicle insurance quote.

Other Announcements, Events and Deals from Southern Insurance AL, LLC
What to Do if Your Teen Gets in an Auto Accident, Foley, Alabama
A car accident is alarming for anyone involved, but finding out your child has been in an auto collision can be particularly overwhelming. That’s why it’s important for all parents more
5 ATV Safety Tips for Teens, Foley, Alabama
If your teen is ready to hit the trails on an all-terrain vehicle, safety must always take priority. ATV insurance can help cover damages that result from accidents, such as more
How to Manage Your RV Insurance Through the Winter, Foley, Alabama
As the winter months draw closer, you might be thinking about storing your RV until warm weather returns. Since you may be paying for the storage space, you’ll want to offset more
4 Pieces of Safety Gear Every Motorcyclist Needs, Foley, Alabama
Motorcycles offer a thrilling ride no other vehicle can match, but that excitement comes with greater risk of injury. While your motorcycle insurance policy will cover your bike in more