Business auto insurance protects your business if you or your employees are in an accident involving injuries or property damage. Commercial auto insurance applies to cars, trucks, trailers, vans or other vehicles used in the course of doing business. Most states require some form of auto liability insurance. The minimum recommended coverage per vehicle is $500,000 with a maximum of $1 million.
Jonas-Meeke Insurance will set you up with the right auto policy for your business to keep you and your employees safe and your vehicles on the road.
Who Needs Business Auto Insurance?
Your business owner’s policy (BOP) may include liability insurance. However, this coverage does not extend to business vehicles. Commercial auto policies specifically protect you and your employees from lawsuits resulting from car accidents in business vehicles. You may need this type of insurance if:
Your business owns, leases or rents any vehicles
Employees drive company cars
Employees drive their personal cars while conducting business
You or employees drive company cars for both business and personal use
Commercial auto insurance policies provide the same major categories of coverage as your private auto insurance policy including: