It’s common for some business owners to use their personal vehicles for work purposes. For example, if you’re a small business owner, you may use your vehicle to transport products or do business-oriented tasks. However, the proper insurance needs to be in place. Our Manchester, CT team at Brent Young Agency LLC is dedicated to helping business owners get the type of commercial coverage they need most.
What does commercial insurance cover?
Commercial insurance provides a wide variety of different coverage options. Fortunately, commercial insurance is designed to provide business owners with a variety of different options to meet their business needs. If you have company vehicles, you can purchase commercial car insurance, for example. Also, if you have employees, worker compensation is a form of commercial insurance that will be beneficial to you as well. Commercial insurance encompasses many different forms of coverage. This makes it easy for business owners to get the coverage they need most to meet their business needs.
Will commercial insurance cover damage to my personal car if I get in a wreck while using it for business purposes?
No. Unfortunately, commercial insurance will not cover the damage your personal car sustains in a wreck unless you’ve purchased commercial car insurance. Your personal auto insurance will not cover a wreck if your car was used for business purposes and not personal purposes.
If you use your car for business purposes, it is best to invest in commercial auto insurance. You’ll still need to carry personal auto insurance to cover your car when you’re using it for non-business purposes.
Looking for Insurance in Manchester, CT?
If you have questions about commercial insurance, call us at Brent Young Agency LLC. We’d be happy to help you explore your options.
