Business Auto Insurance

What is Business Auto Insurance?

When you use a vehicle for business reasons, you may be required to insure it with Business Auto Insurance. This type of insurance provides coverage for uninsured motorist claims, physical damages and liability for vehicles that are used to conduct business.

Who Needs Business Auto Insurance?

  • If you are involved in the following business activities, your vehicle may be required to be covered by Business Insurance for automobiles.
  • Food deliveries for restaurants, grocery stores or food-ordering apps.
  • Visits to job work sites.
  • Drive to client meetings.
  • Transport passengers as a taxi or rideshare provider.


How Does It Work?

With Business Auto Insurance, you’ll be required to pay a deductible when you file a claim. Typically, the lowest deductible for Business Auto Insurance is $250.

After you pay your deductible, your insurance company will take care of the rest of the costs. If you use a vehicle for business purposes without Business Auto Insurance, your insurance company has the right to decline payment for the incident.

Types of Business Auto Insurance
Many types of vehicles can be insured by Business Auto Insurance. This includes SUVs, sedans, buses, dump trucks, and pickup trucks.

Business Auto Insurance policies cover:

  • Medical Bills
  • Liability for Property Damage
  • Uninsured Motorists
  • Personal Injury
  • Flood, Theft, Vandalism, and Fire

Benefits of Business Auto Insurance
If you operate a vehicle for business reasons, the smartest thing you can do is get Business Auto Insurance. If your insurance company denies your claim due to improper coverage, it could be a costly mistake. This is especially true if your injure another person or cause major property damage.

Take a few moments to think about the ways in which you use your vehicle. Speak with a Business Auto Insurance agent to verify your insurance needs.