Your business may require your car to be insured if you use it for business-related activities besides commuting. However, your personal auto policy may not provide coverage for these activities.

The following are examples of business purposes:

• Running errands for the company.
• Taxing other employees/business connections.
• Making delivery or collections.
• Being used by other employees.
• Attending business meetings.
• Attending several business sites.

Cars, trucks, vans, and commercial trailers are examples of vehicles used for business. If you need any further understandings about your insurance coverage, talk to our iSmart Insurance expert.

• You frequently use your own car for work-related transportation.
• You work as a rideshare driver/contractor.
• You are a delivery company.
• You spend a significant amount of time driving to meet with clients.
• You utilize your vehicle for any other type of business.

When a business deals with vehicles that it doesn’t own, it must obtain a liability insurance policy. Consumers, as well as owned automobiles, are protected by this act.

There is insurance available to protect you in the below cases;

• Occupants of owned or customer-owned automobiles, as well as those who are harmed outside of a vehicle, if they are hurt in an accident.
• Harm to one’s own or a customer’s vehicle, as well as to the property of others.
• Businesses such as dealerships, repair garages, auto body shops, service stations, tow trucks, and parking lots need garage auto coverage.
• If you lease vehicles to other people, you will need a commercial auto policy rather than a garage auto policy.