Regular and commercial motorcycle insurance cover the same basic perils (i.e., liability, property damage, bodily injury, etc.) However, regular motorcycle insurance policies won’t provide compensation if the insurer finds that you were using your motorcycle for commercial purposes when the accident happened. This point applies even if you weren’t at fault for the accident.
What Constitutes Commercial Motorcycle Use?
Commercial motorcycle usage is any type of motorcycle usage that generates revenue. This can include gig work for Uber or DoorDash, working as a courier, using your motorbike to transport clients, or allowing an employee to use your motorcycle.
South Kingstown, RI motorcycle owners who only do occasional gig work or commercial work can purchase a rider for their personal motorcycle policy. This rider covers commercial use and isn’t as expensive as a commercial motorcycle insurance policy. However, if you frequently use your motorcycle for commercial purposes, it’s best to buy a commercial insurance policy even if you occasionally use your motorcycle for personal reasons. A commercial policy usually has higher liability limits than a personal policy, which protects your assets if you’re involved in a crash and the other party sues for damages.
Need More Information? Kingston Insurance Agency LLC is Here to Help
Kingston Insurance Agency LLC is always happy to offer South Kingstown, RI, motorcycle owners expert advice and assistance with choosing the right motorcycle insurance policy. Furthermore, we offer multiple policies and policy bundles to make it easy for you to find the best coverage for your situation. Give us a call to get answers to any questions you may have or to request policy quotes.
