What is Commercial Auto Insurance?
From deliveries to driving to job sites, for many Massachusetts companies, driving is a big part of the job. Some purchase company cars for this purpose, while others rely on employees to use personal vehicles for business tasks. Whichever category you fall into, you need commercial auto insurance to help protect against accidents that may occur.
Massachusetts law is clear: If you own & operate a registered vehicle, you must have insurance. This is true for personal vehicles as well as commercially-owned ones. However, many companies have employees use their own vehicles for deliveries, transporting goods, and other business tasks. These activities are typically excluded. With commercial auto insurance, you can purchase coverage for your business due to accidents involving either company owned or leased employee owned vehicles.
Your agent can help you determine which of these options are right for your business. There are a variety of ways to save on your premiums and we highly recommend that you reach out to see how to improve your policy.