Business in the front; groceries in the back.
Nowadays, who isn’t using their vehicle for work reasons? Whether it’s your career or your side hustle that’s got you on the move, if your vehicle is involved in a claim while being used for business reasons, there is a chance your claim could be denied.
If you have clients, merchandise, samples, tools, or equipment for work in your vehicle while driving, you’ll want to connect with an auto advisor to make sure there are no holes in your protection.
Did you finance your vehicle? If you did you’ve probably also signed up for a form of Life Insurance! Creditors tend to slip in “cookie cutter” insurance coverage to protect the loan they just gave you. This insurance isn’t designed to protect you. Usually it’s described as the Cadillac of coverages, and considering the cost, you’d think it should be!
Take just 10 minutes with one of our life & benefits advisors to ensure that you’re not driving around with a lemon of a policy.
Products & Coverages
If you don’t need a full blown commercial auto policy, but at the same time a personal auto policy might leave you exposed in the event that a claim occurs while you’re driving your clients around town, then you’ll want to talk to an advisor about adding Business Use to your policy.
This coverage protects you financially from the pain of a nasty lawsuit. If you’re ever held responsible for causing bodily injury or property damage to a third party while using your vehicle for business reasons, your personal auto policy won’t respond!
Loss of Use
When you add this coverage onto your package policy, and your vehicle is damaged in a covered claim, your policy will help put you back on the road. Without business use declared on your policy, this coverage won’t respond if your vehicle is damaged while being used for business.