Have you recently started a new business, or perhaps suddenly come to the realization that your personal vehicle insurance may not fully protect you when using your car, van, or truck for business purposes?
The most obvious indicator that you are using your vehicle for business purposes occurs when you are using your car, van, truck, or other vehicle to transport merchandise or people, or to perform services for a fee.
For example, if you are using your vehicle to:
Unlike a personal policy, commercial vehicle policies allow you to cover any of your employees when your vehicle is used for business purposes. If your vehicle is driven by employees, that’s a sure sign that you need a commercial policy. Likewise, if your vehicle is owned under a corporate partnership, or used to haul heavy equipment, or to make deliveries requiring federal or state filings, then you definitely need commercial vehicle insurance protection.
Commercial vehicle insurance policies generally provide greater protection than personal policies, with higher liability limits. However, it’s very important to make sure you are fully protected for both business and personal use if your vehicle is used for both.
By now we hope you are thoroughly convinced that it is not worth taking chances with your commercial vehicle insurance coverage. Whether you hail from a larger city like Philadelphia or Allentown, or smaller areas like Reading or Lancaster, you need the right insurance protection. Please don't take chances with your future.
To learn more about commercial insurance for your car, van, truck, or commercial fleet, click here. Or, contact us online. You may also reach us at (610) 775-3848. We’re independent insurance agents who stand ready to help you find the insurance protection that’s right for you, your budget, and your business.