As the days get shorter and the weather gets colder, most everyone starts to notice that the days and weeks are much busier than they seemed to be during the summer months. Kids are back in school, which also means they are back in after school programs, sports, and extracurricular activities. With these added activities, it’s no wonder we are spending more time on the go; and therefore, more time in the car. With all the hustle and bustle of balancing work and home life, it is important to ensure that you are covered by personal auto insurance, or business auto insurance, depending on whether you are driving for pleasure or for business.

Personal Vehicles Used For Business Purposes

Most people run errands for business all the time without thinking of it as a personal vehicle being used for  commercial purposes. Whether using a vehicle to run to the store for paper goods for the office, or for meeting a client, if a stop along the way is an errand for business, the company needs business auto insurance. If you are at fault in an auto accident while running work related errands, and the other party is aware the vehicle was being used for business purposes, the company could be liable for any damages. A business may not have company-owned vehicles to cover on a commercial auto policy, but there is coverage available for vehicles not owned by the company. Both the business and employees can be covered by adding “hired/non-owned auto insurance” onto the company’s commercial general liability policy. This coverage protects vehicles that are not owned by the business, including those rented for business use, or those owned by company employees.

Carrying Hired/Non-Owned Auto Insurance

If your company owns even one vehicle, it is not only crucial that your business carry commercial auto insurance, it is required. Even if the vehicle is used mostly as a personal vehicle, if it was purchased by the business and is titled in the name of the company, then it must be covered with a commercial auto policy. Of course, if the company has a commercial auto policy, hired/non-owned auto insurance can be added to that policy as well. Regardless of which policy it is covered on, it is critically important to protect your business with hired/non-owned auto insurance.

Companies That Need Business Auto Insurance

Even though someone may have a small business, with no employees or company owned vehicles to insure, if their personal vehicle is used for commercial reasons - such as a ride-share or “part-time taxi” - this type of company also needs the protection of a business auto policy. Companies like Uber and Lyft have become very popular because they allow just about anyone to earn a little extra money by using their personal car to offer rides.

The real attraction is that people can “work” for these companies any time they want. The appeal of making your own hours, and not having a boss to report to, have made these companies quite the sensation. However, if you are using your personal vehicle to give rides to paying customers, and you are in an accident and do not have commercial general liability insurance, your personal auto insurance policy will not only deny your claim, they will probably not renew your policy because the personal vehicle listed on the policy was used commercially.

If your business falls into any of the categories listed above, it is crucial that you have business insurance coverage for your vehicles. Don’t allow yourself to be vulnerable when making an insurance claim that could be denied because the right coverage is not in place. At Jones & Associates, we want to make sure your business is well-protected. Give us a call today, and let us offer you a commercial auto insurance quote!

Need Business Auto Insurance Services In College Station?

Jones & Associates Has The Right Business Insurance For You!

Reach Us Today At (979) 599-7532!

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