Affordable Insurance Solutions

Personal auto insurance typically excludes coverage if the vehicle is being used for work purposes (like transporting tools, employees, or making deliveries). A commercial auto policy is specifically designed to cover:

• Business-related travel
• Equipment transportation
• On-site service calls
• Employees driving the van
   

Work vans are often on the road more and may pose a higher risk due to:

• Heavier weight  
• Frequent stops  
• Business signage attracting attention Commercial policies typically provide higher liability limits, protecting your business in case of:  
• Accidents causing property damage  
• Injuries to other drivers, passengers, or pedestrians  

A commercial policy allows you to add multiple employees as drivers. Personal policies often don’t cover anyone other than the named insured or family members. 

If your business is found liable in an accident, your company can be sued. A commercial policy shields:

• Company property  
• Business income  
• Legal costs  

  Commercial auto policies can include special coverages like:

• Tool and equipment protection 
• Cargo coverage 
• Rental reimbursement for business vehicles 
• Hired and non-owned vehicle coverage