Protecting Your Business on the Road

Whether you use your personal vehicle or a company car for business purposes, it’s important to have the right insurance in place. If you’re in an accident while driving for work, commercial auto insurance will protect your business from potentially expensive liabilities. Let us explore what commercial auto insurance is, how it differs from personal auto insurance, and when you might need it for your business. For those wondering whether your business needs commercial auto insurance, Kingston Insurance Agency LLC in South Kingstown, RI provides this guide. 

What is commercial auto insurance?

Commercial auto insurance is a type of insurance designed to protect businesses from the financial risks associated with owning and using vehicles for business purposes. This can include cars, trucks, vans, and other types of vehicles. Like other types of business insurance, commercial auto insurance can help protect your business from expensive liabilities that can arise from accidents, property damage, and other losses.

How does it differ from personal auto insurance?

There are a few key ways that commercial auto insurance differs from personal auto insurance. First, commercial auto insurance typically provides more coverage than personal auto insurance. This is because businesses are generally at greater risk for accidents and losses than individuals. Second, commercial auto insurance policies can be customized to meet the specific needs of your business. Finally, commercial auto insurance rates are usually higher than personal auto insurance rates because of the increased risk for businesses.

When do you need commercial auto insurance?

If you use a vehicle for business purposes, you will need commercial auto insurance. This includes if you use your personal vehicle for:

  • Business travel
  • Delivery or transportation of goods
  • Sales or marketing visits
  • Client meetings

Get commercial auto insurance in South Kingstown, RI

If you use a vehicle for business purposes, you will need commercial auto insurance. Kingston Insurance Agency LLC can help you find the right policy for your business. Contact us today to get started.