Business & Commercial Insurance

Coverage for vehicles you own, lease or rent for business use.

You need this coverage if you use your vehicles for business, such as traveling to job sites or making deliveries. It provides liability and physical damage protection for your business vehicles.

Are you one of the many business people who use the same vehicle for both business and pleasure? If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.