Understanding Commercial Insurance

If you are a business owner, you may be unsure if your personal auto insurance covers the vehicle or vehicles you use for work. Commercial coverage is sometimes required for vehicles used in carrying out business tasks. This could include anything from a fleet of 18-wheelers used in trucking businesses, to trucks and other vehicles used on a farm, to personal vehicles that are used in businesses such as food or flower delivery.

Commercial insurance can provide special protection to drivers and business owners not included in personal auto insurance. To learn more about how commercial auto insurance can help you, contact the Indianapolis car insurance experts of Insure on the Spot today at 1-888-972-SAVE.

Do I Need Commercial Insurance Coverage?

It is sometimes unclear if your business vehicles require commercial coverage or if personal auto insurance will suffice. Here are some questions that might help you determine what type of insurance you need:

• How many vehicles are used in the operation of your business?
• What type of vehicles are they?
• How are they used?
• Can you do your work without these vehicles?
• Can you remove your work equipment from them?
• Who uses the vehicles?

Answering these questions may make it clear that your vehicles are closely tied to the operation of your business, which means it is more likely that you will need commercial vehicle insurance.

Contact Us

If you are a business owner and want to know if you need commercial insurance, or if are looking for a fair and affordable provider for your commercial fleet, contact the Indianapolis auto insurance specialists at Insure on the Spot by calling us today at 1-888-972-SAVE.