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Does My Company Need Commercial Auto Insurance?

If your business requires costly equipment, tools, money, or people around, you’ll need commercial auto insurance. If you aren’t sure about the status of your company and whether you should carry commercial vehicle insurance, our team at Amerisent Insurance in Las Vegas, NV is here to offer guidance.

Who Needs Commercial Auto Insurance?

Some employees use personal vehicles to handle certain business tasks. While their personal policy likely has enough coverage, there are stipulations that call for a commercial auto policy, as well.

  • Your Company Has Commercial Vehicles Registered: If you have one company vehicle registered as commercial or vehicles have commercial license plates, your staff using personal vehicles will need commercial auto insurance.
  • Your Drivers Transport Goods for Cash: Ride-sharing agencies, taxis, delivery companies, and those that require moving valuables or people are required to have commercial auto insurance.
  • Heavy Tools or Expensive Equipment is Transported: Businesses that handle logistics for work supplies or machinery need to have commercial coverage that protects the load.
  • Travel for Work is Frequent: If traveling far distances in a company or personal car, a commercial policy is necessary to protect the vehicle and your business.

What’s Covered Under Commercial Auto Insurance?

Commercial vehicle insurance carries much of the same coverage as personal vehicles but extends to cars, trucks, vans, etc. used for work purposes. A few of these include but aren’t limited to:

  • General Liability Insurance: Handles claims such as damage to visitor’s property by a company-used vehicle when on the job.
  • Workers’ Compensation Insurance/Personal Injury Protection: This insurance will cover employees hurt while on the road.
  • Uninsured/Underinsured Motorist: If an employee has an incident with a driver who doesn’t have insurance or enough of it to cover the damage they cause, the insurance company offers compensation for the difference.

Learn More About Commercial Auto Insurance

No one understands the laws and consequences of failing to carry commercial vehicle insurance than our team. If you want to speak to one of our experts about your company’s commercial insurance needs, contact us online at Amerisent Insurance, call us, or stop by our office in Las Vegas, NV.

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