It is important, and sometimes difficult, for business owners to understand when they need to have a commercial auto policy. Generally you will need a policy when a company vehicle is used in tasks related to the employee’s job. If an employee is driving a company owned vehicle, your company is liable if anything were to happen while that employee is driving the vehicle.
Another time a commercial auto policy should be in place is when an employee uses their own vehicle to perform their job. If your employee is using their own vehicle for regular business use, on average more than 3 times in a 1 month period, again commercial vehicle insurance is for you.
Talking with your agent about what type of policy you need can help protect you, so you don’t have to worry about whether you have the proper coverage or not. For more information about commercial insurance in Austin, TX, contact Dean Davis Insurance.