Facts about Commercial Auto Insurance

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Woods Insurance Agency Commercial Auto Insurance
Quotes Facts about Commercial Auto
Insurance Business vehicle ownership in Illinois,
or anywhere, carries with it a high-risk
potential for lawsuits, legal problems and
property damage. If you use automobiles as part
of your daily business, your risk is multiplied
with every additional vehicle and driver. Here's
all you need to know about commercial auto
insurance, and to keep yourself, your employees
and your business protected.
What is commercial auto insurance? Commercial
auto insurance provides liability coverage for
business, and sometimes personal, vehicles or
for certain vehicle uses that fall outside the
parameters of personal auto insurance. If you own
one or more company vehicles, use your personal
vehicle for specific business purposes, deliver
any type of goods, or allow employees to use your
personal vehicle to conduct business, it may be
time to consider commercial coverage. Do I really
need commercial auto insurance? A personal auto
insurance policy just isn't designed to account
for the increased risk that comes with using a
vehicle for commercial purposes. Moreover,
commercial use of a vehicle may actually
violate the terms of a
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• Commercial Auto Insurance Quotes
• personal auto insurance policy, which means that
  if you are in an accident, your claim may be
  denied, even if the accident occurred while
  operating your vehicle for personal use. If you
  use your personal vehicle for business more than
  three times per month, commercial auto insurance
  may be the best option.
• What professional uses don't require commercial
  coverage?
• If you operate a side business such as cosmetic
  or kitchenware sales, you may not need a
  commercial policy, provided this is not your
  primary source of income and that operating the
  business does not substantially increase your
  mileage.
• Professionals who regularly transport clients -
  for example, lawyers, clergy and real estate
  agents - may not be required to purchase a
  commercial policy. Taxi drivers and chauffeurs,
  however, should always have commercial
  insurance.
• If you only use a personal vehicle to commute to
  and from your place of business, you probably do
  not need a commercial policy.

auto
What's the real difference between commercial pe
rsonal insurance?

• Using a vehicle for business purposes creates
  greater liability. Here are just a few things a
  commercial auto insurance policy might cover that
  wouldn't normally be covered by a personal auto
  insurance policy.
• Coverage while you are hauling a trailer or
  equipment you do not own for profit or business.
• Coverage for and multiple vehicles and multiple
  employees driving business or personal vehicles.
• Coverage for additional vehicles you may purchase
  for business use.
• Coverage that will pay for you to rent a business
  vehicle if yours is temporarily inoperable.
• Coverage in the event that you or one of your
  employees needs to drive a vehicle that you do
  not own.

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• How do I save money on commercial auto insurance?
• Saving money on commercial auto insurance isn't
  much different than saving on personal auto
  insurance. Here are just a few ways you may be
  able to reduce your premium
• Hire employees with good driving records.
• Offer drivers additional training in winter
  driving or defensive driving.
• Use the same company for all of your insurance
  needs, and ask about package discounts.
• Purchase vehicles with additional safety
  features, or have them installed on vehicles you
  already own.
• If you have the option, park your business
  vehicles in a garage or secure lot.
• Whether you're a delivery driver, a contractor or
  just a small business owner, don't take the
  chance of having a minor catastrophe turn into a
  major one. Check with Woods Insurance Agency to
  be sure you have the right coverage to keep your
  business up and running.