As an insurance agent at Wenatchee Insurance Agency in Wenatchee, Washington, I would advise you on the need for a commercial auto policy if you had your logo on your car. We look for policies that when a customer needs them, they will be available to make a claim.
If you have your logo displayed on your car, it indicates that you are using the vehicle for business purposes. In such cases, it is generally recommended to have a commercial auto insurance policy. Personal auto insurance policies usually exclude coverage for vehicles used for business activities.
Insurance companies are looking to deny claims. A few years ago, I had a friend that was delivering flowers for their company. They hit some ice and wrecked the car. Since it was written for personal use the insurance company denied the claim. A proper policy and the insurance company would have been required to pay and my friend would still have their flower shop.
Here’s why you should consider a commercial auto policy:
Proper Coverage: A commercial auto policy is specifically designed to protect vehicles used for business purposes. It provides coverage that may not be included in a personal auto insurance policy.
Liability Protection: Commercial auto insurance offers higher liability coverage limits to safeguard your business in case of an accident where you or your employees are at fault. This coverage protects against potential lawsuits and claims for bodily injury or property damage caused to others.
Business Assets: Commercial auto insurance can help protect your business assets by providing coverage for damages to your vehicle(s) used for business. It helps you recover the costs of repairs or replacement, minimizing the financial impact on your business.
While personal auto insurance policies may provide coverage for vehicles used occasionally for business purposes, having a dedicated commercial auto policy ensures that you have appropriate coverage tailored to your business needs.
If you are delivering pizzas or doing Ride Shares from your car then you really need to let your insurance agent know. Please keep in mind that insurance requirements and policy details may vary based on your specific location and circumstances. It’s always a good idea to consult with a licensed insurance agent at Wenatchee Insurance Agency. We can provide personalized guidance based on your unique situation and help you choose the right insurance policy to protect your business.
Topics, Wenatchee Insurance, Auto Insurance, Car Insurance, Commercial Insurance, Pizza Delivery, Ride Share, Flower delivery, Chelan County, Douglas County, Independent insurance agency