Why You Should Purchase Vehicle Coverage with Your Commercial Insurance in Massachusetts

January 25, 2012

When it comes to automotive commercial insurance, Massachusetts business owners may be unsure if this type of coverage is really a necessity. For many people, it should be considered a vital part of protecting their business from additional financial burden. What roles does commercial car insurance play?

Do not assume that just because you have a personal auto insurance policy, you will be covered in the case of a collision. When you are driving for your business, your personal coverage may not cover the claim. This means the hundreds or thousands of dollars needed to pay for repairs might be coming out of your pocket if you have an accident while using a vehicle for business without the right insurance coverage.

When does a business auto insurance policy become necessary? While the answer for this question varies from person to person, the following three situations are commonly used to justify the purchase of commercial coverage:

  • When the vehicle is registered in the name of a business, a commercial auto policy is usually required.
  • Vehicles that are used primarily for work-related trips also usually need to be covered by commercial coverage.
  • Do your employees drive the car? Your business almost certainly needs commercial auto insurance.

Do you require auto coverage for business vehicles or any other type of commercial insurance in Massachusetts? Business owners can request an affordable policy quote by contacting one of our agents today.