A frequently asked question among San Francisco business owners is “why and when do I need San Francisco Commercial Auto Insurance?” The most basic answer to that is, if a vehicle is used in tasks related to the operators’ occupation, profession, or business (other than simply commuting to work), a San Francisco Commercial Auto Insurance policy is necessary.
So what’s the difference between personal auto insurance and commercial auto insurance? San Francisco commercial auto insurance covers not only the car if you have an employee that is involved in an accident, but depending on your policy, also the contents in the vehicle if anything is stolen.
If you own a vehicle that you also use for work, don’t assume that your San Francisco Personal Auto Insurance policy will cover you or your employees that may drive the car. Many business uses and even vehicle types might be excluded from personal policies, so you want to make sure that you have the right coverage. You may still be wondering how to determine if you truly need a San Francisco Commercial Auto Insurance policy. Here are a few good guidelines to go by.
- If you’re using your vehicle to transport goods or people for a fee or if you use your vehicle to conduct a service, you probably need a commercial auto insurance policy.
- If you need higher limits of liability due to the nature of your work, a commercial auto insurance policy is probably appropriate.
- A commercial auto policy might be required if you have a considerable weight in tools or equipment, or if you are towing a trailer in order to conduct your business.
- If your employees operate your vehicle or if the ownership of your vehicle is in the name of your corporation or partnership, you most likely need a commercial auto insurance policy.
Cal-Nevada Insurance Agency has many types of San Francisco Business Vehicle Insurance policies available to companies not only throughout northern California, but also throughout the Arizona and Las Vegas, Nevada areas. Please contact us today for more information at (866) 670-5948.