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