As you answer these questions, it should become clearer whether you can get by with a personal policy or if you need to sign up for a commercial one.

Generally, business-owned vehicles fall under the category of those that should have commercial insurance. The same goes for vehicles used for farming, and the pickup or delivery of goods or people.  If you own multiple, employee-driven trucks with special equipment, you also probably need commercial auto insurance coverage.

How Much Coverage Do You Need?

If you decide you need a commercial auto insurance policy, give us a call! We can help put that coverage in place. When you call us, we’ll need to ask you a few questions about your business. We’ll ask about:

• Who owns the vehicle(s)
• Weight of the vehicle(s)
• Usage of the vehicle(s)
• Liability limits requirements

While figuring out how much coverage you need, we’ll also consider details such as the vehicles’ value, what they transport, if they have special equipment, and whether they haul valuable or potentially dangerous cargo. In some cases, you might only have to purchase a policy that covers the state liability minimums:

• $15,000 for injury/death to one person
• $30,000 for injury/death to more than one person
• $5,000 for damage to property

How to Buy a Commercial Auto Policy

Click here to get started with a free quote or call  916-773-3800 to speak with an ISU representative. We’ll help you tailor a policy that fits your needs.

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If you’re not sure, here’s what you need to consider:

• How many and what kind of vehicle(s) you need to insure
• How the vehicle(s) is being used
• Who drives the vehicle(s)
• Who owns the vehicle(s)

As you answer these questions, it should become clearer whether you can get by with a personal policy or if you need to sign up for a commercial one.

Generally, business-owned vehicles fall under the category of those that should have commercial insurance. The same goes for vehicles used for farming, and the pickup or delivery of goods or people.  If you own multiple, employee-driven trucks with special equipment, you also probably need commercial auto insurance coverage.

How Much Coverage Do You Need?

If you decide you need a commercial auto insurance policy, give us a call! We can help put that coverage in place. When you call us, we’ll need to ask you a few questions about your business. We’ll ask about:

• Who owns the vehicle(s)
• Weight of the vehicle(s)
• Usage of the vehicle(s)
• Liability limits requirements

While figuring out how much coverage you need, we’ll also consider details such as the vehicles’ value, what they transport, if they have special equipment, and whether they haul valuable or potentially dangerous cargo. In some cases, you might only have to purchase a policy that covers the state liability minimums:

• $15,000 for injury/death to one person
• $30,000 for injury/death to more than one person
• $5,000 for damage to property

How to Buy a Commercial Auto Policy

Click here to get started with a free quote or call  916-773-3800 to speak with an ISU representative. We’ll help you tailor a policy that fits your needs.

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