Whether you have a fleet of 18 wheelers that transport goods from coast to coast or whether you have a small business with two vans that deliver snacks to convenience stores, you need the same quality of insurance that you would want for your personal vehicle. In other words, you need liability insurance coverage, collision and comprehensive as well as personal injury coverage. You need to feel as safe from any unintended or unanticipated driving event while driving your work truck as you would driving your kids around in your wife’s mini-van. In short, you need commercial truck insurance in Peoria AZ.
If you are self-employed, you may assume that you can drive your personal vehicle for business work, but this is not always the case. Most personal auto insurance policies do not cover a vehicle that is involved in an accident while being driven for commercial purposes. Every small business owner who drives his personal truck for his business needs to purchase commercial truck insurance in Peoria AZ to protect himself and his business. A serious auto accident could completely wipe out a small business that lacked adequate insurance coverage.
In order to be absolutely certain about the details of your particular circumstance, you can always check with a top notch commercial insurance agency such as Integra Insurance Group, but in general, these are the facts that apply in most states, across the board. You need commercial insurance:
- If you use your personally titled vehicle for commercial business
- If you transport people in your vehicle for a fee
- If you pull a trailer loaded with tools or other equipment for the purpose of conducting business
- If you have employees who drive your personal vehicle for the business related purposes
- If the vehicle in question is owned by a corporation, business or partnership then it likely needs commercial insurance
- If you are leasing a vehicle, such as a dump truck, for your business to use, you will need commercial insurance for the purpose of covering any possible punitive damages in the case of an accident
- If you make deliveries in your vehicle, be they pizzas, newspapers, or flowers you need commercial insurance.
Do not take the chance of lacking proper insurance in the case of an accident. Call your insurance company and discuss your insurance needs today to make sure you have the protection that you need!
