Running a business from home can save an Oviedo, FL, business owner a lot of money. But there are some corners you simply can’t cut, and proper insurance is one of them.
What’s the Difference Between Personal and Commercial Auto Insurance?
Basic personal and commercial auto insurance policies both cover liability and property damage. However, a personal policy won’t cover any commercial vehicle usage. This means you won’t be able to allow an employee to drive your car. It also means that your insurer can deny your claim for compensation if you were in an accident while using the car for commercial reasons.
A commercial policy might cost a bit more than a personal one. However, it often comes with higher liability and property damage limits. This protects your assets if you’re involved in a crash that’s deemed to be your fault.
Need More Information About Commercial Auto Insurance? Call Karla Salmon Insurance Today
It’s easy to blend personal and commercial needs when running a home-based business. But it’s never wise to expect a personal policy to pay for any type of commercial work. Personal auto insurance doesn’t cover business-related vehicle usage. Personal home insurance won’t cover business-related liability or property damage.
Karla Salmon Insurance has lots of experience helping home-based business owners in and around Oviedo, FL, purchase commercial insurance that meets their specific needs. Our team can offer personalized advice, help you review multiple policy options, and even help you buy an insurance bundle that will save you money without compromising coverage. Call us today to find out more about commercial auto insurance or to get price quotes.
