| (NAPS)-Using the right tool for a job is a key to | | | | insurance policy but not with a personal auto |
| success in any profession. Experts say the same | | | | policy. |
| principle applies when selecting an auto insurance | | | | - Do you use your vehicle for business purposes? |
| policy. | | | | Examples include pizza or newspaper delivery, |
| Having the right type of auto insurance policy can | | | | catering, door-to-door consulting, real estate |
| help ensure that you are protected in the | | | | service, landscaping or snowplowing, day care |
| unfortunate event that one of your vehicles is | | | | church retreat van service, and/or |
| involved in an accident. | | | | farm-to-market delivery. Each of these work |
| If you're a business owner and you and/or your | | | | scenarios might call for a commercial auto policy. |
| employees use a vehicle for work-related | | | | There are several types of commercial-only auto |
| deliveries or to carry materials to and from a job | | | | insurance coverages available for business owners. |
| site, you might need a commercial auto insurance | | | | These include: |
| policy that's tailored to the needs-and risks-of a | | | | Non-Owned Auto Coverage, which protects |
| business vehicle operator. It's also wise to | | | | businesses in cases where an employee is |
| encourage employees to determine whether | | | | involved in an accident in their vehicle while running |
| business use is covered through their personal | | | | a work-related errand. It's possible the business |
| auto insurance policies. | | | | owner could be responsible for damages in |
| Here are some questions, courtesy of Drive | | | | excess of the employee's own auto insurance |
| Insurance from Progressive, to help you | | | | limits. |
| determine if you need a commercial auto | | | | Hired Auto Coverage, which pertains to vehicles a |
| insurance policy instead of a personal auto policy: | | | | business might lease on a short-term basis. These |
| - Do you need more liability coverage than your | | | | would include moving and storage vehicles and |
| personal auto policy can provide? Generally, a | | | | delivery vehicles leased for busy holiday periods. |
| commercial auto policy provides higher limits of | | | | Drive Other Car Coverage, which extends a |
| liability, but less or no coverage in areas that are | | | | commercial auto insurance contract to cover the |
| typically not associated with commercial auto | | | | policyholder while driving a vehicle not listed on the |
| risks. | | | | policy. |
| - Do you need special coverage for situations | | | | Did You Know? |
| associated with your business? Commercial auto | | | | A conversation with an independent auto |
| policies usually offer specific coverages-such as | | | | insurance agent-a trained, licensed insurance |
| towing a trailer for business use-that are not | | | | professional who can offer personal service and |
| available with personal auto policies. | | | | advice-can be an excellent way for a |
| - Do you need to list any of your employees as | | | | small-business owner to select the right type of |
| drivers? You can do this with a commercial auto | | | | auto insurance policy. |