If you are using a vehicle for work, you most likely need commercial coverage. This is also true for companies with a fleet of vehicles and drivers on the road. However, if you are a sole proprietor, personal vehicle insurance may be okay. The first step in determining if you need commercial auto insurance, is to look at who owns the vehicle. From there, there are further questions. further. Below is a brief overview of a few questions that your insurance agent will cover when discussing commercial vehicle coverage:

• Is the vehicle titled under the company? 
• Who is driving the vehicle? 
• When driving, is the vehicle used only for business purposes or is it driven for personal use as well? 
• What type of vehicle requires coverage? 
• What are your required business liability limits?

For the sake of simplicity, let us assume that you are a business owner with at least one other employee, and that the company owns the vehicles in question. In this instance, commercial insurance provides higher coverage amounts and greater liability coverage for you, your passengers, and anyone involved in an accident than personal coverage would allow. Further, if the vehicle is titled under the business, you must carry commercial insurance.

Take the guesswork out of commercial auto insurance and contact Brownell Insurance Center. Our team is here to help you decide which type and how much coverage is needed. Call us today to receive your estimate!