Insuring Work Vehicles

If you own a business, you may wonder what type of insurance you need for any vehicles involved in your company’s work. This will largely depend on the number and types of vehicles used at your company, how often they are used, what purpose they have, and who uses them.

If you are trying to figure out whether to use personal or commercial insurance at your business, contact the Illinois car insurance experts at Insure on the Spot by calling 1-888-972-SAVE today.

Is Commercial Insurance Right for My Business?

For some businesses, it is very clear whether they need commercial insurance or if vehicles are covered by individuals’ policies. However, there are many businesses that only occasionally use vehicles, or who depend on drivers who use their own cars. For a pizza delivery business, does the business owner need to insure drivers using their own cars? In such situations, you may wish to talk with an insurance agent. You will need to be prepared to answer the following questions:

• Who uses the vehicles in question?
• Do employees use your personal vehicle, company vehicles, or their own?
• How often are the vehicles used?
• What type of work is performed with the vehicles?
• Could you perform your work without them?
• Are they permanently affixed to necessary business equipment?

Depending on the answers to these questions, you may be in need of commercial insurance.

Contact Us

If you are looking to secure commercial insurance for your company’s vehicles, call for an Illinois auto insurance quote from Insure on the Spot at 1-888-972-SAVE.