Your Business Rides On Wheels—Make Sure They're Insured Right

​If your business depends on vehicles—whether it’s a single delivery van, a fleet of trucks, or even personal cars used for company errands—then commercial auto insurance isn’t just a good idea, it’s a necessity. One accident, theft, or breakdown can stall operations, strain finances, and put your reputation at risk. That’s why it’s critical to ensure your business vehicles are insured the right way.

What Is Commercial Auto Insurance?
Commercial auto insurance provides coverage for vehicles used for business purposes. Unlike personal auto policies, which may exclude business use, commercial auto insurance is specifically designed to address the risks associated with operating vehicles for work.

This includes:

• Transporting goods or equipment
• Driving clients or employees
• Making deliveries
• Traveling between job sites

If a vehicle is used to generate revenue or support business operations, it likely requires commercial coverage—even if it’s your own car.


What Does Commercial Auto Insurance Cover?
A well-structured policy typically includes:

1. Liability Coverage
   Covers bodily injury or property damage you cause to others while driving for business.
   
   
2. Collision Coverage
   Pays for damage to your vehicle in an accident, regardless of fault.
   
   
3. Comprehensive Coverage
   Covers non-collision events like theft, vandalism, fire, or weather-related damage.
   
   
4. Uninsured/Underinsured Motorist Coverage
   Protects you if you’re hit by someone who lacks adequate insurance.
   
   
5. Medical Payments or Personal Injury Protection (PIP)
   Helps pay medical expenses for you and your passengers.
   
   
6. Hired and Non-Owned Auto Coverage
   Covers vehicles your business uses but doesn’t own—such as employee cars or rented vehicles used for work.

Why Personal Auto Insurance Isn’t Enough
Many business owners mistakenly assume their personal auto policy will cover business-related driving. However, most personal policies exclude commercial use, meaning claims could be denied if you’re using the vehicle for business when an accident occurs.

This is especially risky if you:

• Use your car to deliver goods or transport clients
• Have employees driving company or personal vehicles for work
• Rely on rented or leased vehicles for operations

Without proper coverage, your business could be liable for tens of thousands of dollars in damages, injuries, and legal fees.


How to Choose the Right Coverage
When reviewing your options, consider the following:

• Number and type of vehicles (cars, vans, trucks, trailers)
• Who’s driving (owners, employees, contractors)
• What the vehicles are used for (deliveries, transportation, hauling equipment)
• Where the vehicles operate (local, interstate, high-risk zones)

Working with an insurance professional can help ensure your policy matches your risk profile—and that you’re neither underinsured nor overpaying.


Final Thoughts
Your vehicles keep your business moving. Don’t let a lack of proper insurance bring everything to a screeching halt. With the right commercial auto insurance in place, you’ll protect your assets, your people, and your peace of mind—mile after mile.

Your business rides on wheels—make sure they’re insured right.

At Appletree Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (603) 881-9900 or CLICK HERE ​to request a free quote. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.