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CSIS Insurance Services, Inc. Blog

When Is A Commercial Auto Insurance Policy Needed?

1/31/2018

48 Comments

 
Picture
It is a common point of confusion.  When should we purchase a commercial auto insurance policy?  What is the difference between it and a personal auto insurance policy?  This is one of the most common questions regarding auto insurance.  Is the coverage the same for both?  What are the advantages for getting commercial auto insurance?  The following will outline the difference for each.
What is commercial auto insurance?
A commercial auto insurance policy provides protection for any vehicle that is used for business.  It can be a company vehicle or a personal vehicle used for that business.  Depending on your policy, the following are what is most commonly covered by this policy.

  • Injuries and property damage liability
  • Injuries to self and employees or passengers
  • Collision and comprehensive coverage
  • Medical payments
  • Towing and other similar costs


What is the difference between commercial auto insurance and personal?

Although the coverage for both are very similar.  Both having coverage as described above, the main differences lay in eligibility, exclusions, and limits.  

Personal auto insurance policies are not meant for business, and there are certain uses that are excluded in its coverage.  The terms and conditions of commercial insurance are written more in line for its use as a business unit.  Limits are usually higher for a commercial policy as well due to the intended use of the vehicle.


When should we purchase it?

If you use your vehicle for the following purposes:
  • To conduct a service
  • To transport people or goods for a fee
  • If you transport a considerable amount and weight of equipment
  • If employees of a company use it for official business

In summary, a commercial policy is required if the use of the vehicle is directly related to the business it is in.  This can exclude your daily commute to and from your place of work.  


What are the types of vehicles covered by this policy?

Vehicles that are insured are not limited to company cars.  Either individual or a fleet of vehicles, the following are the common vehicles insured.
  • Delivery Trucks
  • Food Trucks
  • Work Vans
  • Box Trucks
  • Service Utility Vehicles
  • Commercial Trucks

Conclusion

Knowing the right type of insurance policy required for each scenario can be confusing.  However, there are many benefits to determining the right kind of policy for your needs.  It is important to talk to your agent to better understand what type of coverage you actually need.

At CSIS Insurance Services, we aim to make our client’s life easier with policies that are tailored to their needs. You can get more information about our products and services by calling our agency at (888) 501-2747. Get your free quote today by CLICKING HERE.
48 Comments
Ellie Davis link
10/1/2018 05:10:42 pm

I didn't know that if you are using your vehicle to conduct a service you should make sure and get commercial auto insurance. This seems like something people should make sure and look into for their company. Hopefully, business owners that have work vehicles look into getting the best auto insurance possible.

Reply
Sariah Meagle link
10/10/2018 08:37:47 pm

My dad bought new trucks for his delivery business and my uncle reminded him to get insurance. It was explained here that a commercial auto insurance will cover injuries and property damage liability. Moreover, it's recommended to talk to insurance experts when considering commercial auto insurance.

Reply
Gillian Babcock link
2/25/2019 04:04:10 pm

My dad will be launching his fleet business soon and he wants to make sure that his business is insured. It was explained here that commercial insurance can cover injuries and property damage in case of emergencies. Moreover, it's recommended to consult insurance experts when considering having commercial insurance.

Reply
Camille Devaux link
3/28/2019 03:24:23 pm

I have an uncle that is thinking about getting auto insurance. He is thinking about how this will work in a more commercial setting. Looking for coverage that will cover the kind of trucks that he might drive is useful.

Reply
Gerty Gift link
4/8/2019 06:10:29 am

Thank you for explaining that commercial auto insurance is a good idea if you have a vehicle that is directly related to the business it's in. I was driving on the freeway the other day when I passed a semi truck and wondered if they have the same kind of car insurance that we do. It's good to learn about something like this and how they are directly tied to their respective businesses.

Reply
Bree Ward link
4/11/2019 05:23:16 pm

It's definitely true that commercial insurance provides coverage protection for your vehicle in terms of damages and accidents. Thanks for discussing the types of vehicle covered as well as it's the whole framework. I think your article is useful for those who have transportations business.

Reply
Dean Phillips link
5/1/2019 04:55:15 pm

I had no idea that commercial auto insurance provides protection for any vehicle that is used for business. My brother has been thinking about starting his own trucking company so that he can make some money and travel across the country. It might be a good idea for him to purchase a commercial insurance plan for any trucks that he is going to use for his business.

Reply
Bree Ward link
5/8/2019 05:14:11 pm

I think it's really vital for a company to have commercial auto insurance to provide assistance and coverage in cases of accidents. As you've said, this is to protect any vehicle used for business. I think your article is helpful to those companies who are having 2nd thought of getting commercial auto insurance.

Reply
Angelina Brain link
5/15/2019 01:57:12 pm

Thanks for this amazing information, this will really help a lot. Good Luck for more wonderful work in the future.

Reply
Camille Devaux link
5/17/2019 01:22:40 pm

It was a good idea to look for a service that will be able to conduct the service professionally. This is a great way to make sure that you are getting the most out of your auto insurance. My sister might like knowing this as she looks for a good service.

Reply
Lourell Jake Layam link
7/17/2019 09:52:29 am

With Insurance we know that Price Counts, Coverage Matters.
We utilize the latest technology to have the insurance company compete for your business. We are often able to find you the best price and the best Insurance coverage.

Reply
Elisabeth Southgate link
7/31/2019 11:43:41 am

I found it helpful when you explained what commercial auto insurance is. I like that it can cover a personal vehicle used for business. My husband will be interested to know this.

Reply
Ron Booker link
8/16/2019 02:00:10 pm

I never took into account the fact that commercial policies are required for vehicles related to businesses. My friend told me that she was asked for a commercial policy at her workplace. I'm going to let her know the reason why they ask for one in case she wasn't explained yet.

Reply
Jay Jorgenson link
9/5/2019 08:18:07 am

My friend wants to know what is commercial auto insurance. I like how you mention commercial auto insurance protects any vehicle that is used for business. Thank you for the information. I'll provide this information to him so he can understand.

Reply
Ashley link
9/6/2019 07:31:23 am

I liked that you said that one thing to consider when you won business is to purchase good commercial auto insurance to protect and provide coverage for your company cars. I have been thinking about starting my own business but I have been worried that my employees would end up in a car accident and we wouldn't have coverage for them. I would be sure to purchase good auto insurance in order to ensure the our drivers would be covered if they got into an accident.

Reply
David Johnson link
9/9/2019 04:22:15 pm

My friend owns a pizza business and they need to hire delivery drivers so they can meet all of the needs on a busy Friday night. We'll have to look into commercial auto insurance policies because you mentioned that they will provide protection for any of the vehicles used by the business. That's great because that can include delivery cars.

Reply
Tori Raddison link
12/30/2019 08:50:16 am

It makes sense that limits are usually higher for a commercial policy. Commercial vehicles usually cost more and have a lot more riding on them. I'll make sure that I have a policy for my business.

Reply
jacob link
2/3/2020 11:09:27 pm

I like the way you describe commercial auto insurance and why we purchase it, Thanks for sharing this astonishing information this will help a lot to me.

Reply
Taylor Anderson link
2/28/2020 02:30:40 pm

I like how you mentioned that commercial auto insurance is meant for businesses to protect them and their property. One of my friends is wanting to start a business. Where can they learn more about commercial in general?

Reply
Kari link
2/28/2020 02:45:35 pm

Hi Taylor,
Please have your friend contact our office. We can review their business information and potential coverage needs.

Thank you,
Kari
CSIS Insurance Services, Inc

Reply
roohi taj
4/1/2020 12:16:55 am

nice information for auto insurance

Reply
Shaylee Packer link
4/14/2020 06:32:28 am

As you mentioned, you should get commercial insurance on your vehicle if it is used for business uses. My brother owns his own company, and will often times let his employees drive his truck to a job site. Would this be an example of needing commercial insurance?

Reply
Braden Bills link
5/6/2021 06:56:41 am

My friend wants to make sure that he has all of the right insurance plans for his business, and he was asking me if I could think of anything he's missing. It makes sense that he might want to get the right car insurance plan! That way, he can ensure that his company vehicles are covered.

Reply
Thomas Clarence link
5/20/2021 01:54:19 pm

It was really interesting to learn about the difference between commercial and personal auto insurance. As far as I know, there are many businesses that utilize large fleets of vehicles. These businesses would want to have commercial auto insurance.

Reply
Kristofer Van Wagner link
6/16/2021 01:50:16 pm

My dad mentioned that he is looking to have his auto insurance renewed. I do agree it is important for us to ensure we are choosing the right insurance provider. I will definitely keep this information in mind.

Reply
Braden Bills link
8/11/2021 05:47:08 am

My friend wants to make sure that his business it properly protected. It makes sense that he would want to get insurance. That seems like a good way to ensure that he can be covered just in case something happens.

Reply
Mia Evans link
8/18/2021 06:01:29 pm

Thanks for helping me understand that a commercial auto insurance policy will protect any vehicle that is used for business. I guess business owners would need this kind of insurance especially when they use trucks for their deliveries. It would keep their drivers safe and protected if ever there would be unforeseen circumstances that could happen on the road.

Reply
Chance Cook link
10/8/2021 06:47:07 am

It's good to know that personal auto insurance is not meant for a business. I could see some new business owners trying that to do that to save money. But the last thing they need to do is have problems with their insurance.

Reply
John Carston link
11/11/2021 03:45:19 pm

It helped when you mentioned that a company vehicle or a personal vehicle used for business is covered by commercial auto insurance. My uncle mentioned to me last night that he is planning to have auto insurance for his new vehicle for business purposes and asked if I have any idea what is the best option to consider. Thanks to this informative article and I'll be sure to tell him that it will be much better if he consults a trusted commercial auto insurance company as they can answer all his inquiries.

Reply
Rick Jones link
11/30/2021 02:15:01 pm

It's good to know that you can't use personal auto insurance for business means. I was planning on it. So I am glad I read this before I made that mistake.

Reply
Hailey Miller link
12/20/2021 06:01:44 pm

Thanks for pointing out that a commercial auto insurance policy provides protection for any vehicle that is used for business. I would imagine that any business owner would want to avoid incidents that can affect their operations. I think they should look for commercial auto insurance that can provide seamless and thorough coverage to protect their investment.

Reply
Jeff Carbine link
1/12/2022 04:42:48 am

I never knew that personal auto insurance policies are not meant for business, and there are certain uses that are excluded in its coverage. I never thought that it would be like this, it is a good article to read, I'll share this with my aunt. Thank you for the information about auto insurance.

Reply
Millie Hue link
2/4/2022 07:16:03 pm

Thanks for pointing out that commercial vehicle insurance is the protection for vehicles that are used for businesses. I can imagine how important this would be to ensure that any issues with the equipment or any accidents can be covered and not affect their funds. This would be perfect when they have trucks that travel long distances, since we can never expect if anything might happen while on the road.

Reply
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Olivia Smart link
4/14/2022 10:26:15 am

Thank you for explaining that commercial auto insurance covers towing costs, collision and comprehensive coverage, as well as injuries for yourself, employees, and passengers. My sister is thinking about getting coverage for the few cars she's purchased for her business. It seems like it could keep her and her business safer by having this kind of coverage.

Reply
Victoria Addington link
4/27/2022 06:46:35 am

It got me when you discussed that a commercial auto insurance policy protects any car that is utilized for business. My brother told me that he wants to be protected whenever he drives his car. I should advise him to look for an insurer that offers tailored coverage.

Reply
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6/13/2022 07:17:56 am

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Iris Smith link
9/13/2022 11:35:39 pm

Thank you for pointing out that commercial insurance's terms and conditions are drafted more in keeping with its function as a business unit. I recently purchased a new car for my business and want to be protected against risk. To obtain a quote and save money in the future, I will locate an auto insurance agency.

Reply
Tex Hooper link
12/14/2022 04:45:14 pm

I like what you said about getting different insurance if your vehicle is used in a business. My policy needs to be updated. I'll have to update it for commercial use.

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2/2/2023 07:24:24 am

Introduction


Before you buy private car insurance, there are a few things you need to know. Here are a few tips to help you get the best coverage for your needs:



1. Know what kind of coverage you need. There are different types of private car insurance policies, and each one offers different levels of coverage. Make sure you understand the difference between liability, collision, and comprehensive coverage so that you can choose the right policy for your needs.

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2/3/2023 12:36:16 am

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Daisy James link
3/7/2023 03:48:15 pm

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