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COMMERCIAL AUTO INSURANCE

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Are you covered while driving on the job? Sure, you may have personal auto insurance, but it won't cover claims on accidents that occur in work vehicles.

 

Why can't I use my personal auto insurance to cover my business vehicles?

Personal auto policies contain many rules and regulations for automobile accidents involving business vehicles; most will not provide coverage if:

 

  • The primary use of the vehicle is for commercial purposes.
  • The vehicle is normally not used as a personal vehicle, such as a large van or truck.
  • The vehicle is very heavy and not considered a personal or recreational vehicle.
  • Equipment is permanently attached to the vehicle.
  • You have signs on the vehicle.
  • The vehicle is ever driven by employees.

 

Even if none of your vehicles are owned under the business name, you still need a commercial auto policy that cover your employees if they ever use their own or rented vehicles for business purposes. Workman's comp insurance will generally only cover medical expenses from an automobile accident that occurs while work is specifically being done, and will not cover property damage or medical expenses from accidents that occur while going to or from work.

 

What does a commercial auto insurance policy cover?

Commercial auto insurance coverage is very similar to personal auto insurance coverage. It covers any cars, SUVs, vans, or trucks used for business, including trailers, tractors, tow trucks, dump trucks, garbage trucks, and semi trucks. Policies generally include coverage of bodily injury, property damage, and medical payments.

 

Let us find you the best commercial auto insurance quotes.

At Skyles we specialize in providing our clients the lowest possible commercial auto insurance in California and throughout the Western United States - without compromising on service. We can tailor coverage to your specific business, and ensure you are covered in any situation.

 

For a free, no-obligation quote, call us toll-free at 888-900-9989, or contact us online now.

 

In addition to commercial auto policies, we also specialize in finding businesses the best coverage for contractor's insurance, construction insurance, general liability insurance, workman's comp insurance, builder's risk insurance, equipment and tool coverage, and excess policies. Whatever your size, specialty, or insurance need, you can find what you're looking for at Skyles.

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