commercial car insurance

commercial car insurance is necessary for companies large and small, who use a car as part of its business practices. For small independent companies who work from home who own and operate their own vehicles, personal car insurance is generally considered sufficient. However, if the business of transporting people, additional business insurance is usually recommended. It is important to speak with an agent about the specific needs and uses of each commercial vehicles.

Purchasing commercial car insurance

For companies that own or lease vehicles that are operated for commercial purposes by more than one person that the company must buy a commercial car insurance. Companies that have employees who use their own vehicle for business use, coverage should be responsible for these employees, but coverage car insurance primary disease in these circumstances would be for the employee. Some considerations when purchasing commercial car insurance are:

If you drive a vehicle

How many people drive the vehicle

Who owns the vehicle

Nature and classification of vehicles

How many of each vehicle using the company

Insurance coverage for commercial vehicles

commercial car insurance should cover the responsibility of each driver, and collision damage coverage and comprehensive, even for each vehicle. There are also provisions for policies that allow companies to recover the loss of not only vehicles but also other assets and shares in the vehicle associated with the company. These assets may include freight and tools. Most commercial car insurance policies cover:

Injuries and liability

Property damage and liability

Uninsured and underinsured motorists

goods transported by truck

Medical expenses

Collision (covers damage to the vehicle in an accident)

Full (cover damage due to theft, fire or broken glass)