How do I insure a truck used for my business?

I own a small painting company that has grown a bit this year, so I recently purchased an old F-150 to carry our equipment between job sites. This is the first vehicle I’ve ever purchased for the company and I am curious, how do I insure the truck for business use?

Answer
Congratulations on the recent growth! Purchasing your first business vehicle is a significant step and you are doing the right thing by ensuring it is appropriately insured.
When it comes to insuring a vehicle used strictly for business, you will need to purchase a commercial auto policy. These tend to have similar types of insurance as personal auto insurance policies but offer higher coverage limits and protections for employees who may be using the vehicle. When purchasing the policy, you can also ask the insurance agent about coverage for vehicles owned by employees but used for your business.
It is crucial that a vehicle used primarily for business is not insured under a personal auto policy or you risk your insurance company not offering any coverage in the event of an accident or injury. The last thing you want is for you, or your employees, to be left without any coverage after an accident.
Finally, if you occasionally use your personal vehicle for work or to visit various job sites, this may be considered permitted business use under a personal auto insurance policy. However, it is best to consult with your car insurance company to avoid any potential issues after an accident.
If you are looking for a new personal auto policy to reflect any permitted business use of your vehicle, or you have questions on what may be allowed, consider signing up for Jerry. Jerry shops insurance rates with over 50 insurance providers for free to find the policy that works best for you. If you have any questions during the process, agents are only a text away!
Jack Walsh
Answered on Oct 22, 2021
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