Commercial auto insurance is designed to cover vehicles used for business purposes. Whether it’s transporting goods or passengers, making frequent client visits, or operating in environments with heavy machinery and large vehicles, having the right coverage is crucial to mitigate risks.
For this reason, commercial auto insurance typically offers higher coverage limits than personal auto insurance.
Additionally, its cost is tax-deductible, making it an added financial benefit for businesses.
While a commercial vehicle policy can apply to smaller cars, it is primarily designed for construction trucks, food trucks, 18-wheelers, buses, tractors, and taxis.
Do I Need Commercial Vehicle Insurance?
If you’ve asked yourself this question, you probably need it. Any time you use a vehicle as part of your regular business activities, you should have this type of coverage.
The main reason is that a personal auto insurance policy does not cover accidents related to business activities.
For example, if you do not have a commercial auto insurance policy and get into an accident while transporting a passenger, you will be responsible for all medical expenses and lost wages if they are injured—since your personal auto insurance will not cover these costs.
To simplify, you should get commercial auto insurance if:
✅ The vehicle is owned by your business.
✅ You manage a fleet of vehicles.
✅ Employees drive the vehicle.
✅ The vehicle weighs over 5 tons or carries more than a ton of cargo.
✅ The vehicle is used for professional activities.
Having the right insurance not only gives you peace of mind but also protects your business’s financial resources.
Call Univista Insurance today and get the best commercial auto insurance policy for your company.
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