Do you personally own a vehicle but use it for commercial purposes during part of the day, such as delivering food? You might do this when running your own business, working for another company, or providing services through an online platform. If so, you may need to acquire some form of commercial auto coverage.
Personal car insurance covers regular commutes to and from the workplace. However, it generally won’t insure a vehicle that is directly used to do your job or run a business. Why? Commercial driving tends to involve situations that increase the risk level, such as distractions, fatigue, and unfamiliar places.
You’ll probably need additional insurance if you deliver products or carry passengers. Other work-related tasks may also require extra coverage. One way to gain sufficient protection is to sign up for commercial auto insurance at a local East Orange, NJ agency like Clinton Robinson & Associates Agency.
Alternatives
You don’t necessarily need a separate insurance policy. An endorsement (rider) added to regular auto insurance might be adequate in some situations. You could also look at policies that are specifically designed for a certain commercial activity, such as delivering goods in your own vehicle. Some insurers offer ridesharing-oriented policies as well. Either way, the right insurance could cover repairs and protect you from lawsuits after a traffic accident.
Our friendly staff can provide helpful expert advice if you’re unsure what kind of insurance is best for your job or vehicle. Our well-established independent agency partners with over 40 insurance carriers to offer various coverage options. To contact Clinton Robinson & Associates Agency in East Orange, NJ, please call 973-675-2515 today.
