Business owners regularly assume risk. However, most control their risk with insurance to meet their legal and contractual obligations and fit their comfort level in accepting exposure. One risk some businesses fail to protect against is commercial vehicle insurance, incorrectly relying on their personal insurance coverage. To avoid this and other commercial insurance mistakes, allow our Curtis Miller Insurance team, serving Parkersburg, WV, to create a commercial vehicle insurance plan to meet your business’s needs.

Commercial Versus Commercial Vehicle Insurance

Small businesses come in many shapes and sizes, and their insurance needs vary based on the business type, the number of employees, and whether motor vehicles are used in the business. Business owners generally recognize that operating a business brings risks, so they acquire Workers’ Compensation, General Liability, Commercial Property, and similar coverages.

Many businesses also acquire a form of commercial insurance targeted at vehicles:

Owned by the company or driven for work purposes
That transport goods, tools, or people for work

Small business owners and those operating passenger vehicles only sometimes fail to acquire commercial vehicle insurance, believing their personal insurance policies adequately cover their personal vehicles when used for business purposes. However, only commercial vehicle policies provide that coverage.

If you use your personal vehicle for business purposes, you should acquire commercial vehicle insurance to fully protect yourself and your business. Don’t learn after the fact that your personal policy does not provide adequate protection.

Working with Curtis Miller Insurance

Curtis Miller Insurance proudly serves Parkersburg, WV’s personal and business communities. Our experience with commercial insurance ensures your policies will protect your business and livelihood. Drop by or call us today to review your commercial insurance needs and options.