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Commercial Auto Insurance in CT

Commercial Auto insurance has many parallels to Personal Auto Insurance, but there are significant variations. Protection limits are usually higher. It gets a bit complex when you or your workers use personal automobiles for organization use. Most commercial plans won’t protect an worker’s personal obligation (just organization liability), and most won’t compensate workers for damage caused to private automobiles used for organization company. Check with your agent to see if your organization use of private automobiles should get commercial insurance. Requirements and rules vary from condition to condition.

Most Commercial Auto plans don’t protect volunteers. If your organization works with volunteers who drive organization automobiles, additional coverage may be necessary.

In general, if your organization operates or renting vehicles–regardless of how many–you need Professional Automobile Insurance.

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It’s estimated that one in four workplace fatalities are due to car or truck accidents. Therefore, any enterprise that uses one or more automobiles during the course of organization will want the protection offered by Professional Automobile Insurance. Used and self-employed individuals who use their own cars primarily for organization will, in all likelihood, also need commercial insurance.

Some insurance companies will not guarantee certain types of organization automobiles, like taxi and limousine services, dangerous waste haulers, emergency automobiles, and schools of motoring. Separate coverage is necessary.