If you own a commercial business that requires you to operate a vehicle in North Carolina, then you do well to invest in business auto insurance. Contrary to what many uninformed drivers believe, personal auto insurance does not cover you if you have an accident while running an errand related to business. You need commercial insurance that pays for damages incurred to your vehicle in these instances. 

What is Business Auto Insurance?

Business auto insurance is an add-on plan that can be attached to your overall commercial indemnity policy that pays for repairs if your company car or truck is damaged. This plan usually has higher limits to accommodate for large vehicles such as bread trucks and entire fleets. In some instances, business auto insurance works like personal car assurance by paying for medical costs and other expenses related to car accidents. The plan, however, makes life more comfortable as you won’t have to fight with your indemnity provider to pay for loss related to business-related incidents as you would if you had personal liability insurance only. 

Why Buy Business Auto Insurance?

Regardless of what people may think, personal auto insurance is not meant to serve as company assurance as well. You may find yourself out of pocket if you solely rely on your personal policy to pay for damages incurred both while working and taking rides for leisure. It is essential to make sure that you are fully covered as an entrepreneur. Business auto insurance helps you stay protected. 

You should contact an agent at Cross Creek Insurance if you have questions related to commercial auto insurance. We gladly serve business owners in Hope Hills, NC, as well as those entrepreneurs in the surrounding areas. Call today for a quote!