Will my auto insurance cover my car if I use it for business purposes? | Blog
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The Sanford Group

10150 Ball Ground Hwy,
Ste 101,
Ball Ground, GA 30107

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Ball Ground, GA 30107

The Sanford Group Insurance Blog

Will my auto insurance cover my car if I use it for business purposes?

As a business owner, there are specific things you may need to use to keep your business running smoothly. Some of these things may include your personal possessions. For some business owners, the use of a car is essential. You may need to travel for business reasons. However, things can get sticky if you’re driving your personal vehicle. Our team at The Sanford Group knows that Ball Ground, GA business owners have questions about how to protect their businesses. We’re here to help them explore the benefits of insurance.

What You Should Know…

Driving your personal car, insured for personal use, carries risk if you use it for your business. If you get into an accident or some unexpected catastrophe while operating your vehicle for business purposes, it won’t be covered under a personal insurance policy. You’ll have to pay for any damage or injuries incurred by yourself or others out of your pocket. As a result, if you know you’ll be using your car for business purposes, it’s best to get business auto insurance. Your personal auto insurance policy won’t pay for any car repairs, legal issues, or liability that you may have to others for property damage and injuries.

Business Auto Insurance

Business auto insurance typically provides greater coverage limits and is beneficial if you use your car for delivery, towing, or any other business-related task covered under your policy. A commercial policy typically provides higher coverage limits even if your personal auto policy has a business use addendum. However, a business auto insurance policy can be created to meet your company’s specific needs. If you have questions about the best insurance for cars used for business purposes, call us. 

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