As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

These coverages help business vehicles and its drivers with accidents giving protection for the business and coverages for medical injuries even though your vehicle is at fault. There are many different types of commercial vehicles. Some examples of them are:

• Business Pickup Truck
• Business Auto
• Box Truck
• Dump Truck
• Semi-Truck
• Auto hauler trailers
• Flatbed trailers
• Many more different kinds of vehicles.

Variety of Industries

• Junk yards with Tow trucks
• Gardening Services
• Contractors
• Tree Trimmers
• Limousine Service / Party Truck Rentals
• Truck Haul
• Truck Delivery
• Trucking for-hire

Coverage Options

• Liability
• Collision
• Comprehensive
• Medical
• Uninsured/Underinsured
• Cargo