1203 S Western Ave, Anaheim, CA, USA
Our Commercial Auto Insurance Partners
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Importance of Getting Commercial Auto Insurance
✅ 1. Proper Coverage for Business Use
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
✅ 2. Higher Liability Protection
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
✅ 3. Covers Multiple Drivers
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.
✅ 4. Protection for Business Assets
If your business is found liable in an accident, your company can be sued. A commercial policy shields:
- Company property
- Business income
- Legal costs
✅ 5. Custom Add-ons
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
✅ 6. Legal Compliance
Many states require commercial auto insurance if the vehicle is:
- Registered to a business
- Used to transport goods or people for a fee
- Has a commercial license plate
In Summary: Insuring a work van on a commercial auto policy is not just important—it’s necessary. It ensures you're covered legally and financially, and that your business is protected in case of accidents
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