I run into landscapers all the time who have their work truck under their personal auto policy. Please understand that if you get into an accident while performing business your insurance carrier can and probably will deny coverage for the incident. Work vehicles are NOT covered under personal auto policies unless the policy carries a business endorsement. The problem is many insurance companies do not offer a business use endorsement and the companies that do, have a list of qualifications and limitations on the coverage provided under a business use endorsement.

A commercial business auto policy is always the best way to cover your work vehicles. Through commercial business auto policies you can receive higher limits to increase the coverage and protection for your business. The cost difference between commercial auto policies and personal policies may surprise you. In some cases commercial auto policies are less expensive and still include higher coverage limits.

If you currently have a work vehicle on a personal auto policy, please go to www.BearWiseQuotes.com/landscapersto receive a free commercial business auto quote.

Make sure you are covered and your business is protected.

The Agent Articles section of BearWiseLandscapers.com allows our insurance agents to provide practical information for landscapers. These agents can also obtain quotes and establish a custom insurance program for your landscaping business through our access to a variety of insurance carriers. This agent article is filed under 2 Commercial Auto, Did you know?, and you can follow comments to it through the RSS 2.0 feed. Feel free to leave your own response below: