Commercial Auto & Fleet Insurance

Your personal auto insurance policy may not cover you if you’re using your car for business purposes.  For example, if you’re using the car for deliveries, carrying tools or equipment, or transporting clients for any reason, then you’ll need commercial auto insurance coverage.

Unfortunately, tools and equipment aren’t automatically included in your commercial car insurance.  You’ll need to make sure you have a Tool or Equipment Floater on your commercial property insurance policy to ensure you’ve got full coverage for the value of your tools and equipment.

Fleet insurance may be the right choice for you if your business owns 5 or more vehicles that are used for business or commercial purposes.  One caveat of fleet insurance is that all vehicles need to be registered under one company name.