Personal of Business Auto Insurance – What Do You Need?

A car is one of the most important assets you can insure. While most people invest in a basic auto insurance policy, others need commercial coverage. If you are struggling to choose the right auto and business insurance in New York, then the following guide will help you.

Determining Commercial Use

Generally, you will need a business plan if your vehicle is used for commercial purposes. The following are good examples of business use:

  • Transporting goods
  • Landscaping
  • Door-to-door consulting
  • Snowplowing
  • Van service
  • Catering
  • Logging

If your business engages in one of these activities, then it is a good idea to talk to an agent about business insurance in New York.

Liability Coverage

Most business auto insurance policies provide higher liability coverage than a traditional plan. This is because a car that is driven for business purposes usually involves more risk. If your personal plan does not have enough coverage, then it may be smart to get a commercial plan.

Employees as Drivers

If employees drive your cars, then you want to make sure they are covered in the event of an accident. With a commercial insurance policy, you can add employees to your plan. Typically, personal auto insurance does not allow for this.

While not every company with business insurance in New York needs an auto insurance plan, there are situations where this coverage is important. Contact an insurance agent today to determine what coverage is right for your automobile.