Who Needs Commercial Auto Coverage?

If you’re unsure whether your business needs commercial auto insurance coverage, here’s a breakdown to help you determine if it’s right for you.

Businesses With Company Vehicles

If your business owns or leases vehicles that are used for work-related tasks, commercial auto coverage is essential. Whether your fleet includes delivery vans, service trucks or company cars, this insurance is designed to help protect these assets and your company’s financial stability in case of accidents or damage.

Businesses With Employees Driving for Work

Even if you don’t own vehicles, but your employees use their personal cars for business activities, hired and non-owned auto insurance is worth considering. This type of policy can provide extra liability protection for employees who drive for company errands, sales calls or client meetings.

Businesses Involving Goods or Cargo Transport

If your business involves transporting goods or cargo, commercial auto insurance is crucial. It may help cover the vehicles and the cargo they carry, providing financial protection in case of accidents, theft or damage during transit.

Companies With Specialized Vehicles

If your business uses specialized vehicles, such as tow trucks, refrigerated trucks or mobile workshops, you need commercial auto coverage. Standard personal auto insurance typically doesn’t cover these types of vehicles, making commercial insurance a necessity.

Companies Seeking Comprehensive Coverage Options

Commercial auto insurance offers a range of coverage options tailored to business needs. From liability and collision to comprehensive and uninsured motorist coverage, it provides a customizable approach to protecting your business vehicles and operations.

Learn More

Contact Rhino Insurance Brokerage LLC in Palm Desert, CA, for a personalized commercial auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.