This is the first post for Commercial Insurance.net. This site will be launching on 11/12/08 and will service the needs of consumers searching for Commercial Insurance.
Business owners need the same type of auto coverage for use at work as they do for personal use. Some of the different forms of commercial car insurance include liability, collision, and coverage for uninsured motorists. Many business owners use the same vehicle for both business and personal driving. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than a personal name; this will avoid confusion if you need to file a claim or a claim is filed against you.
While the major coverages are the same, a commercial auto policy differs from a personal auto policy in many respects. Your insurance agent will be able to explain the differences. Personal Umbrella Liability policies usually have an exclusion for business related liability. Double check your liability coverage on an annual basis.