If you’re a business owner in the Palo Alto, CA area and use your car for business purposes, you may wonder if commercial insurance covers your personal errands. The answer is that it depends on the type of policy you have. Allied Brokers Insurance Agency Inc. explains the different types of commercial car insurance policies available and how they can cover personal errands. 

What Is Commercial Car Insurance? 

Commercial car insurance is a type of policy designed to protect vehicles used for business purposes. This type of coverage typically includes liability, collision, comprehensive coverage, and other options like roadside assistance and rental car reimbursement. The cost of these policies varies depending on what kind of coverage is chosen and how many cars are being covered. 

Does Commercial Insurance Cover Personal Errands? 

The answer to this question depends on what type of commercial insurance policy you have. Commercial auto policies do not provide coverage for personal errands or pleasure trips, but some offer limited coverage for such activities. It’s important to speak with one of our experienced agents to ensure you get the right coverage for your needs. 

If you need coverage for personal errands or pleasure trips, there are additional options available through some insurers. You can purchase an endorsement package to add additional protection, such as rental car reimbursement and roadside assistance, or choose a full-coverage policy that provides more extensive protection against accidents and other risks associated with driving a vehicle for business purposes. 

Reach Out To Us

Contact an experienced agent at Allied Brokers Insurance Agency Inc. about purchasing additional endorsements or a full-coverage policy that provides more comprehensive protection against risks associated with using a vehicle for business purposes in Palo Alto, CA.