Commercial Car Insurance – Does Your Small Business Need It?
Many small businesses rely upon personal vehicles for their transportation, hauling, and appointments. This is true of stores, financial professionals, and many other professionals. While it may be ok to let a personal vehicle do double duty, is it also ok to rely upon a personal auto insurance policy?
Check your personal policy. Is business use excluded? If it is, you certainly need to upgrade or change it. But even if business use is not specifically excluded, you still may be taking a big risk by expecting your personal auto insurance policy to cover business use.
If you are a small business owner, do you allow employers to drive your car for work? Many owners do this, or even worse, they expect their employees to use their own cars. Now you are depending upon other people to have adequate personal auto insurance to cover any claims that may occur while they are using their own car or truck to work for you.
Are your policy limits big enough for business use. This is a serious question. If you purchased your personal policy a few years ago, you may not even be aware of the limits you have. You may have answered application questions as if this car was just used for infrequent shopping or carpool duties. Now that you use your own vehicle for business, the application could be very wrong.
If you rely upon a personal policy to conduct business it is important to take a few steps to protect yourself.
Examine your policy to see if it is adequate to cover business needs. If you transport inventory or tools, you risk loss or theft. The policy limits may not be large enough to protect it.
Sometimes you can upgrade your personal auto insurance policy so it covers your business. This may be particularly true if you run a very small business and you, or family members, are the only employees.
You should discuss this with your insurer. You should also compare quotes to make sure you are getting the best deal on business car insurance. The best personal policy may not be the best commercial car insurance policy.
If you do transport expensive business items, use your car a lot of business use, or if you have employees driving for work, you really should consider a commercial policy. One accident can cause tens of thousands of dollars worth of damage, and it would not be prudent to risk your business like this.
A lot of business owners do not bother to get proper coverage because they are just too busy Even though they have considered this issue; they just put off a decision. Some think it is too complicated, not their area of expertise, or will take too long to compare quotes.
You can find business insurance by speaking with a qualified local agent. You can also compare quotes from multiple companies by running online quotes. It is very simple to enter your basic information into an online quote form. Then you can click the submit button and relax. The top commercial vehicle insurers will use your information to deliver competitive quotes and policies.
Does your business need commercial car insurance? If you are unsure, visit us for more information. We can also provide fast commercial vehicle insurance quotes.
Survival Insurance, Ferrari, Funny Car Commercial! Cheap CA Insurance, County Insurance, Survival Insurance, Ferrari, Funny Commercial! Cheap CA Insurance, County Insurance
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- Proper Classification of Your Business Vehicles Can Reduce Your Business Car Insurance Costs
- 8 Tips for Buying Commercial Auto Insurance
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Hahah, I swear we’re all the same age here. I also used to see this commercial when I was a kid. lawlzz
Then he died cold and alone in the desert, thanks survival!
whats the guy from monk doing all the way out there in the desert
whenever i saw this commercial when i was little i always thought he was sooo dumb
this came out during morning cartoons when i was in vacation lol also general, dashers, and adeee doo
ahaha, idgf if the person even has insurance, this is me! “you have insurance?” “No” “well idgf im trying to get home, and you bomb”
I remember watching this commercial when I was young. It was eerily similar to one of the “Got Milk?” commercials. . . LOL
this has to be the dumbest commercial I’ve ever seen.
oh, god… this takes me back to when i was 9 and my cousin was 10 and we would crack up every time we’d see these commercials. good times.
THIS COMMERCIAL IS A STRAIGHT RIP-OFF FROM BUGLE BOY COMMERCIAL IN THE 80′S. Just for those who think they have seen this before but a little different.
whats the name of that guy?
ill take a ride from that lady without any kind of insurance
just makes it that better
Im pretty sure its safe to say that lady provided more than half of the 90′s adolescent boys with their first bonners.
lol yah, i miss this commercial…along with the bruce lee and brisk one, but yah lol who turns down a girl like that, and a badly needed ride in the desert
i grew up watching this commercial. great memories!!!
i allways wanted her to tell the guy she was “insured by smith and wesson” and then execute him with a smith revolver….. now that would have been funny
i had the need to watch it again, i meant.
lol, i watched it once in standard mode. then for some reason i had the reason to watch it again in HD.
lol loved these commercials.
fckin classic