If you have a job where you drive your own car for the purposes of you work you will probably be wondering if you need to pay for business insurance. Business insurance is different from standard policies and is definitely something worth looking into if you are using your car for work.
If you drive a van, truck or run a part-time taxi or if you use any other vehicle for business, your standard insurance may not be sufficient to cover all damages of injuries that may result from an accident while you are at work. If you are the owner of the business, even your business owners policy may exclude business vehicles. When you use your vehicle for reasons other than your commute for your business, you will most likely need business auto insurance. This will protect your own car if you use it for work and any company owned vehicles also.There will be a number of questions you will need to be ready for when applying for business car insurance. Most companies will want to know the nature of your work and the amount of time you’ll be behind the wheel. They will also need to know how many work-related miles you’re likely to clock up during an average year. There are a number of options when it comes to business car insurance. Most policies will fall into one of the following three categories:
- Business use by you - This type of policy will cover the main driver to drive in connection to their business. This type of coverage might suit a salesperson.
- Business use for all drivers – This has the added benefit that more than one driver can be added to the policy.
- Commercial traveling policies – This is for people who drive for their job, ie. delivery vans, taxi drivers, etc.