Commercial Auto Insurance in Connecticut
Keep your employees safe on the road
You might think it’s OK to use a personal vehicle for professional purposes, but what happens if you or one of your employees gets into a collision?
Because that vehicle wasn’t being used for personal reasons, any damage is not covered by your personal auto insurance policy. In fact, your claim could be denied even if you were driving for personal use.
Don’t put yourself in that situation.
Commercial auto insurance (sometimes called commercial car insurance or fleet insurance) is required for vehicles that are used for professional purposes.
You may require commercial auto insurance if …
● … you use a vehicle to transport people or products for a fee
● … you tow a trailer or lug tools/equipment around because of your work
● … your employees drive the vehicle(s) for work purposes
● … the vehicle is owned by a corporation or partnership
You may NOT require commercial auto insurance if …
● You transport clients on a casual basis (i.e. lawyers, real estate agents)
● You run a sales business on the side (i.e. kitchenware, jewelery, skincare) that doesn’t require much driving
Similar to personal auto insurance, a commercial auto insurance policy includes the following:
But unlike personal auto insurance, a commercial auto insurance policy also covers you if you’re hauling a trailer or equipment that you do not own, if an employee needs to drive a vehicle you do not own, and if you need to rent a business vehicle because yours is temporarily inoperable.
No two businesses are exactly alike, and neither are insurance policies. Commercial auto insurance policies are designed based on the type of driving you and your employees do. We’ll talk with you about how the vehicles are used, which employees will be driving, and if any employees need commercial auto insurance coverage added to their personal vehicles.
Our new clients regularly come to us with questions about commercial auto insurance in Connecticut– like “What if I drive a company vehicle after hours to take my daughter to soccer practice?” or “What if I use my personal vehicle for a work delivery?”
The team here at New England Insurance is ready to answer your questions, and help you determine the best policy for your company’s needs. Call us today at (203) 367-2222 to learn more.
Together, we’ll get you and your employees safely on the road.