Questions to get the right auto insurance

Using the right tool for a job is critical to success. Experts say the same principle applies when selecting an auto insurance policy. Having the correct type of policy can help ensure that you, your employees, and your business are all protected in the unfortunate event that one of your vehicles is involved in an accident.

If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs—and risks—of a business vehicle operator.

Here are some questions that can help you determine if you need a commercial auto policy instead of a personal one, courtesy of Lock Insurance.

• Do you need more liability coverage than your auto policy provides? Generally, a commercial auto policy provides higher limits of liability but less or no coverage in areas that are typically not associated with commercial auto risks.
• Do you need special coverage for situations associated with conducting business? Commercial auto policies also usually offer certain coverages—such as hired and non-owned auto coverage and coverage for towing a trailer for business use—not available with personal auto policies.
• Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.
• Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, daycare/church retreat van service, and farm-to-market delivery, you might need a commercial auto policy.

Lock Insurance is an independent insurance agency – trained, licensed professionals offering personal service and advice. We can help match you with the type of policy that best suits your needs and your company’s.

Don Westerfeld 1/20/2013 4:04:00 PM