Commercial Auto Insurance

A Commercial Car Insurance Policy Gives You the Coverage Your Business Needs for One Vehicle or a Fleet

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Commercial Auto Insurance

Do you use a vehicle to conduct any of your business operations? Whether you’re using a personal vehicle for business purposes or using a strictly commercial vehicle, purchasing commercial auto insurance is necessary. If you rely on your personal car insurance policy to protect you from business use of a vehicle, you’ll be left paying out of pocket in the event you need to pay for repairs, replacement, or property damage. So, whether you have a single commercial vehicle to insure or an entire fleet, don’t wait another day. Contact ASA Insurance to find out if this is the right policy for you and how much coverage you need to protect your business.

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    What Does Commercial Auto Insurance Cover?

    This is an important question to ask, and it’s one we get a lot! A commercial car insurance policy covers the same basic aspects of your vehicle as a personal policy. That means it provides liability coverage, along with uninsured/underinsured motorist, collision, and comprehensive coverage. It also pays for personal injury protection for the occupants.

    With commercial car insurance, your company is protected if you or your employees are liable for an accident. It will pay for damage to other property or injury to other parties. That way, you don’t have out of pocket expenses. It also protects your business if an employee is hurt while driving your vehicles for work.

    Now you might be wondering why you need a commercial auto insurance policy if you already have a personal auto insurance policy for the vehicle you use for work. The truth is, there are big differences in the restrictions, exclusions and eligibility between a personal versus a commercial policy. Additionally, you also receive higher coverage limits for your commercial policy, which helps protect your business in a claim because these claims tend to cost more than personal auto claims.

    Do I Need Commercial Vehicle Insurance?

    It’s better to ask this question now rather than wait until you’re in a collision to discover your personal car insurance doesn’t cover you for business use of a vehicle. If you use a vehicle for business or your employees use vehicles to conduct business operations, then you do need commercial auto coverage.

    If you operate a vehicle for business use, your personal insurance policy probably won’t cover you. Business use may include transporting clients or customers, delivering products, or even driving from one jobsite to the next in Utah with tools and supplies.

    Next Steps

    Are you ready to move forward with purchasing commercial car insurance in Utah? When buying a commercial auto policy, you’ll first need to know who is allowed to drive the vehicles. In many cases, you will need to provide names and information for every employee who may drive a company vehicle to ensure they are all covered and included on the policy.

    How Much Commercial Car Insurance Do I Need?

    In Utah, state law requires that drivers carry personal injury protection (PIP) to pay for the medical expenses of your commercial drivers and passengers regardless of who’s at fault for an accident. Because Utah is a “no-fault” state, you will need to run through your PIP coverage before suing an at-fault driver for your (or your employee’s) injuries. 

    Additionally, Utah state law requires all commercial auto policies have:

    • A minimum liability limit of $25,000 per person
    • $65,000 per accident for bodily injury
    • $15,000 for property damage 

    Depending on the type of vehicles you use for your business, you may need to purchase higher coverage limits. Additionally, if you haul heavy equipment with your vehicle, it will need to have a separate policy.

    Commercial Auto Insurance FAQs

    Do I need commercial auto insurance to deliver pizza?
    Pizza businesses that own their own delivery vehicles will almost surely need to purchase auto insurance for their fleet. If their employees drive their personal vehicles for business use, these drivers will need to be sure to add commercial coverage for the business use of their vehicle.
    Do I need commercial auto insurance for Uber?
    Rideshare drivers for companies like Uber and Lyft will not be covered under their personal car insurance policies for the business use of their vehicle. So, they need to purchase commercial auto insurance to be covered for the business use of their vehicle.

    For example, if they are in a collision while making an Uber trip, their commercial coverage will be responsible for covering the damages. If they attempt to make a claim for damage that happened during business use of the vehicle, the claim is likely to be denied.

    Do I need commercial auto insurance for DoorDash?
    Food delivery companies like DoorDash and UberEats do offer some commercial auto insurance for their drivers. However, drivers still need to have their own insurance in place for the vehicle as well. If you do not maintain your own insurance, the insurance provided through DoorDash or UberEats might not apply.
    Does commercial auto insurance cover personal use?
    Commercial car insurance usually extends to personal use of the vehicle. However, this does not work both ways. That means, if you are using a personal business for vehicle use, your personal insurance will not cover damages that happen during the course of business use.
    Is commercial auto insurance cheaper than personal insurance?
    This all depends on the nature of the business you are using the vehicle for, your driving history, the distance you will be traveling, and many other factors.
    Why do you need commercial auto insurance?
    Commercial use of a vehicle comes with some unique liabilities not associated with the personal use of a vehicle. Commercial car insurance was built with these liabilities in mind and to offer the protection for the resulting damages that drivers and business owners need.
    Who is insured under a commercial auto policy?
    This depends on the policy. For example, a business owner who owns a fleet of delivery vehicles may list ten drivers/employees on their policy. On the other hand, a delivery driver or solo business owner might be the only person considered insured under a commercial auto policy.
    How much is commercial auto insurance in Utah?
    The commercial auto insurance costs for a large business versus a small business or a sole proprietorship will vary significantly. Costs also depend on a number of other factors, including the nature and scope of the business, the type of vehicle, and more.

    We’re Not That Far Away!

    For all of your commercial auto insurance needs, ASA Insurance in Salt Lake City is just a phone call away! We’ve been finding commercial and personal insurance policies for our clients across Utah since 1950, and we look forward to doing the same for you.