Getting online auto insurance quotes for business is a little different than insurance for personal driving. When using an automobile for business purposes, the vehicle represents your company. Therefore, if you have an accident, you’ll need proper insurance to cover liability issues concerning your company as well as any personal needs.
Commercial auto insurance is beneficial because it offers auto coverage for your business vehicle if an accident occurs during operations. Suppose one of your employees or contractors gets physically hurt or even killed during an accident while driving your company vehicle. Your business may be held liable for their injuries, so having proper business coverage is essential for your protection. Commercial auto insurance will also protect you if an employee of yours wrecks and harms someone else or their vehicle while on the job.
Determine if You Need an Auto Insurance Quote Online for Business or Personal
Not all situations call for business auto insurance. If you have a small home business and use your car for business purposes only on rare occasions, you will likely need personal car insurance quotes online. If you use your automobile for business for a considerable amount of time, you’ll want to purchase business auto insurance just to be safe. Even while using the car for personal reasons, your car will be considered a company car and should have proper coverage in case of an accident. If your business has employees or contractors that drive their own personal vehicles for work purposes, you’ll need to obtain a “hired and non-owned” insurance plan. It also covers rental cars that are used in your business.
If your business has a whole work force using fleet automobiles for your company, you’ll definitely need business automobile insurance.
Obtain Online Auto Insurance Quotes with Liability Coverage in Mind
Having the proper liability coverage for your business automobiles is the key to protection for your company. If shopping for insurance on the Web, make sure to get car insurance quotes online for more liability coverage than you feel you’ll need. Ask about bodily injury as well as property damage liability. These will cover injuries, damages, and even lawsuits against your company. Even if not required in your state, consider obtaining collision and comprehensive coverage for your company vehicles. Collision covers damages to your own vehicle in these incidences, and comprehensive covers damages from fires, vandalism, theft, weather-related damage, etc.
How to Compare Quotes
Don’t only consider the pricing of a policy, but compare what’s offered by each company. After you’ve received some estimated quotes online for business auto insurance, narrow your search to several companies for more detailed and accurate quotes. Look for online auto insurance quotes that are specific to your business needs to get the best possible coverage.