Umbrella Auto Insurance

You get in a wreck and find your auto insurance will not cover you. What happened? If you were doing business and you were not carrying a commercial policy, you may be in danger.

So if you're a business owner, follow up with the type of auto insurance you have is essential that you and your company could end up being responsible. To begin, you need the same types of insurance coverage for the car you use in your business as you do for a car used for personal travel - liability, collision and comprehensive, medical payments (known as the injury protection in some states) and coverage for uninsured motorists. In fact, business people in the same vehicle for business and pleasure. If the vehicle is owned by the company, make sure the company name appears on the policy that the "principal insured" rather than your name. This will avoid possible confusion in the event that you must file a claim or complaint is filed against you.


Whether or not you should buy auto insurance companies depend on the type of driving you do. A good insurance agent will ask many questions about how you use your company vehicles, which will conduct them and whether employees, if you are likely to be driving their own cars for your business.

Although coverage major auto manufacturers is the same, a policy of automobile insurance differs in many technical aspects. For example, if you have a comprehensive policy for personal liability, there is usually a disclaimer related businesses. So are you sure?

Here are some examples of ways you can get into trouble without a trade policy:

aec Pizza and newspaper delivery;
aec Restoration;
aec advisory services door to door;
aec services landscaping or snow removal
aec Day care / van services of the church.
aec Real Estate Agents


If your business uses a vehicle, or many vehicles, you should ask your insurance professional important questions such as:

aec What are my liability limits? In general, an automobile policy, companies can offer higher limits of liability. larger vehicles such as delivery vans, can cause more damage than cars.

aec Will my insurance cover me for personal questions specific to my business? For example, if you have a trailer that damages another vehicle on a job, a personal liability policy may not cover the repairs. A trade policy.

aec Do I have employees who drive my vehicles? In general, if other people drive your car for work, you need a business automobile policy.

You also need a commercial auto policy if your vehicle hauls tools or equipment weighing over 500 pounds, making deliveries or filings of interstate trucking companies hire.

Once you've taken all the above into account, you can rest better at night knowing that you are fully protected and no assumptions were made.