Sterling Peaks Insurance
  • Our Agency
    • Contact Us
    • About >
      • Testimonials
      • Our Staff
    • Products >
      • Cannabis, Hemp, CBD >
        • Cultivators Cannabis Hemp CBD
        • Dispensaries Cannabis Hemp CBD
        • Processors & Manufacturers Cannabis Hemp CBD
        • Ancillary Businesses Cannabis Hemp CBD
        • Landlords Cannabis Hemp CBD
        • Testing Laboratories Cannabis Hemp CBD
      • Car Insurance Discounts / Cheap Car Insurance
      • Car Insurance >
        • 24 Hour Customer Service
        • Auto Insurance Liability
        • Comprehensive Coverage
        • Collision Coverage
        • Uninsured & Underinsured Motorist Coverage
        • Roadside Assistance
        • Hagerty Classic Auto Insurance
        • Towing
        • Rental Car Reimbursement
        • Medical Payments Coverage
        • Mexico Auto Insurance
      • House Insurance >
        • Property Insurance
        • Homeowners Liability
        • Condo Insurance
        • Mobile Home Insurance
        • Scheduled Property Insurance
        • Landlords Insurance
        • In-Home Business Insurance
      • Renter's Insurance >
        • Renters Policy
        • Renter's Liability
        • Scheduled Property Insurance
      • Life Insurance >
        • Individual Life Insurance
        • Disability Income Insurance
        • Mortgage Protection Insurance
        • Second To Die Policy
        • Key Person or Key Man Insurance
      • Motorcycle Insurance >
        • Motorcycle Policy
      • Motorhome / RV Insurance >
        • Motorhome/RV Policy
      • ATV/UTV Insurance >
        • ATV/UTV Policy
      • Snowmobile Insurance >
        • Snowmobile Policy
      • Boat/Watercraft Insurance >
        • Boat/Watercraft Policy
      • Farm & Ranch Insurance >
        • Auto Coverage
        • Crop Coverage
        • Hemp Crop Insurance
        • Dwelling Coverage
        • Equine Coverage
        • Equipment Coverage
        • Liability Coverage
        • Livestock Coverage
        • Owners Coverage
        • Structures Coverage
        • Umbrella Coverage
      • Business Owner's Policy (BOP) >
        • Business Auto Insurance
        • Business Crime Insurance
        • Business General Liability Insurance
        • Business Professional Liability
        • Business Inland Marine Insurance
        • Business Marine Insurance
        • Business Property Insurance
        • Business Umbrella Insurance
      • Commercial Auto Insurance >
        • Commercial Auto Policy
  • Text or Call For Quote 970-314-9188
  • SPI Blog
  • American Red Cross Will Planning Workbook

Using Your Personal Vehicle For Business?

10/11/2016

0 Comments

 
Picture
Not all auto insurance is the same. A personal auto insurance policy generally won’t cover damage to your car if you’re using it for business purposes.
 
Even if your personal policy has “business-use” coverage, you may find yourself at a loss when an accident happens, especially if your liability limits are not high enough to cover the damage. Make sure you’re protected.
 
Call your insurance company or independent agent and ask these questions:

  • How do you define “commercial use?” Some insurers may simply define it as transporting goods for compensation or a fee. That could include services like:
    • pizza and newspaper delivery;
    • catering;
    • door-to-door consulting services;
    • landscaping or snowplowing services; or
    • day care/church van services.
 
Even real estate agents may qualify. Fall in to one of these categories? Consider a commercial vehicle policy.
 
Here are some questions to ask to determine if commercial auto insurance is right for you.

  • What are my liability limits? In general, a commercial auto policy can offer higher liability limits. Larger vehicles, like delivery vans, can cause more damage than passenger cars.

  • Does my personal policy cover me for issues specific to my business? For example, if you have a trailer that damages another vehicle while on a job, a personal liability policy may not cover the repairs. A commercial policy will.

  • Do I have employees who drive my vehicles? In general, if other people drive your vehicles for work, you need a commercial auto policy.
 
You may also a need commercial auto policy if your vehicle hauls tools or equipment weighing more than 500 pounds, makes deliveries, or requires filings for interstate for for-hire trucking businesses.
 
Sterling Peaks Insurance can help you better understand business needs and put together a package that meets your needs. Visit us at www.SterlingPeaksInsurance.com.
 
0 Comments

Your comment will be posted after it is approved.


Leave a Reply.

    Call (970) 314-9188
    Request a quote

    SPI Reflections Blog

    Our blog is about educating our customers and the public about important insurance information that we feel is meaningful.

    Archives

    November 2019
    October 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    August 2016
    July 2016
    June 2016
    May 2016
    April 2016
    November 2015
    July 2015
    June 2015
    May 2015
    April 2015
    March 2015

    Picture
Picture
Call (970)314-9188
need Appointment


Location

Sterling Peaks Insurance
529 25 1/2 Road Suite B111
Grand Junction, CO 81505





​
​About Us


Our Staff

Testimonials
​

Social Media
  • Our Agency
    • Contact Us
    • About >
      • Testimonials
      • Our Staff
    • Products >
      • Cannabis, Hemp, CBD >
        • Cultivators Cannabis Hemp CBD
        • Dispensaries Cannabis Hemp CBD
        • Processors & Manufacturers Cannabis Hemp CBD
        • Ancillary Businesses Cannabis Hemp CBD
        • Landlords Cannabis Hemp CBD
        • Testing Laboratories Cannabis Hemp CBD
      • Car Insurance Discounts / Cheap Car Insurance
      • Car Insurance >
        • 24 Hour Customer Service
        • Auto Insurance Liability
        • Comprehensive Coverage
        • Collision Coverage
        • Uninsured & Underinsured Motorist Coverage
        • Roadside Assistance
        • Hagerty Classic Auto Insurance
        • Towing
        • Rental Car Reimbursement
        • Medical Payments Coverage
        • Mexico Auto Insurance
      • House Insurance >
        • Property Insurance
        • Homeowners Liability
        • Condo Insurance
        • Mobile Home Insurance
        • Scheduled Property Insurance
        • Landlords Insurance
        • In-Home Business Insurance
      • Renter's Insurance >
        • Renters Policy
        • Renter's Liability
        • Scheduled Property Insurance
      • Life Insurance >
        • Individual Life Insurance
        • Disability Income Insurance
        • Mortgage Protection Insurance
        • Second To Die Policy
        • Key Person or Key Man Insurance
      • Motorcycle Insurance >
        • Motorcycle Policy
      • Motorhome / RV Insurance >
        • Motorhome/RV Policy
      • ATV/UTV Insurance >
        • ATV/UTV Policy
      • Snowmobile Insurance >
        • Snowmobile Policy
      • Boat/Watercraft Insurance >
        • Boat/Watercraft Policy
      • Farm & Ranch Insurance >
        • Auto Coverage
        • Crop Coverage
        • Hemp Crop Insurance
        • Dwelling Coverage
        • Equine Coverage
        • Equipment Coverage
        • Liability Coverage
        • Livestock Coverage
        • Owners Coverage
        • Structures Coverage
        • Umbrella Coverage
      • Business Owner's Policy (BOP) >
        • Business Auto Insurance
        • Business Crime Insurance
        • Business General Liability Insurance
        • Business Professional Liability
        • Business Inland Marine Insurance
        • Business Marine Insurance
        • Business Property Insurance
        • Business Umbrella Insurance
      • Commercial Auto Insurance >
        • Commercial Auto Policy
  • Text or Call For Quote 970-314-9188
  • SPI Blog
  • American Red Cross Will Planning Workbook