Handyman Insurance, Finding Good Business Auto Insurance Policies
Determining if you need commercial auto insurance can be confusing as the decision-making process contains a large amount of variables. These are questions you will come across when searching for a company to purchase your commercial auto insurance.
Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes. The last thing you will want to do is argue with your insurer over whether your automobile was used more for personal use or business use. In my opinion, the risk of a serious auto accident wiping out a small business far exceeds the premiums paid for the coverage and this is not the place to save premiums. Purchasing business auto insurance is usually the safe route to follow.
A commercial auto policy does the same thing as your personal auto policy.  While the types of coverage provided by personal and commercial auto insurance policies are essentially the same, there are important distinctions. Typically, commercial auto insurance policies have higher liability limits, for example $1 million. If you are relying on either a personal auto insurance or personal umbrella liability policy to provide you with protection for your company’s use of vehicles, look closely at the provisions, as business-related liability may be excluded.