Business Auto Insurance

Some business owners use the same vehicle for both business and personal use. If you’re using the car for making deliveries, you’ll need a business auto policy. Personal auto policies exclude coverage for business delivery use.

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel: liability, collision and comprehensive, medical payments and uninsured motorist.

If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "named insured" rather than your own name. This will avoid possible confusion in the event of a claim.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you details about how you use vehicles in your business, like who will be driving them and whether employees are likely to be driving their own cars for your business.