Insuring business owners Carlsbad, CA and San Diego County for over 26 years.
Commercial Auto Insurance
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. At NCPA Insurance Services we will start out by asking you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. We would be happy to discuss all of the differences in policies with you give us a call at (760) 720-9588 or request a quote today so we can work on understanding your business and find the best commercial auto insurance policy that will meet all of your needs. Or if you prefer make an appointment and stop by our convenient location in Carlsbad, CA.