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Commercial Auto Insurance

Commercial Auto Insurance from Income Resource Group

If your business relies on vehicles—whether it’s a single car or an entire fleet of trucks—commercial auto insurance is a must. Just like you insure your personal vehicle, your business vehicles need dedicated coverage to protect against accidents, property damage, injuries, and more.

Many business owners are surprised to learn that a Businessowners Policy (BOP) does not cover vehicles used for work. That means if one of your employees is involved in an accident while driving a company car, your business could be on the hook for repairs, medical expenses, and legal costs without the right policy in place.

At Income Resource Group, we’ll help you build a policy that fits your business size, vehicle types, and level of risk—so you can hit the road with confidence, knowing your business is protected.

Whether you're driving a single car or managing a fleet of trucks and trailers, commercial auto insurance is essential to keeping your business protected and running smoothly.

This type of coverage goes beyond what personal auto policies offer—it includes protection for liability, medical expenses, collisions, property damage, and more. It’s designed specifically for the unique risks that come with using vehicles for business purposes.

If your employees use their own vehicles for work—making deliveries, visiting clients, or running business-related errands—your business could still be held responsible for any accidents they cause. And because the line between personal and commercial use can be blurry, it’s important to get the right coverage in place.

At Income Resource Group, we’ll help you sort through your options and build a policy that fits how you do business—so you can stay focused on the road ahead, with confidence.

If your vehicles are used for more than just getting from point A to point B, commercial auto insurance isn’t just a smart idea—it’s often a requirement. You’ll likely need this coverage if your vehicle is used to:

  • Transport goods, tools, or equipment for your business
  • Drive employees or clients to and from job sites or appointments
  • Perform a service you’re paid to deliver
  • Carry passengers for a fee (like ride-sharing or shuttle services)
  • Deliver goods for a fee (such as food or package delivery)
  • Haul work-related materials or heavy loads
  • Tow a trailer used for business purposes

At Income Resource Group, we’ll help you determine if your business activities call for commercial coverage—and make sure you're fully protected every mile of the way.

For small business owners, the line between personal and commercial vehicle use isn’t always obvious. You or your employees might use personal cars or trucks to visit job sites, transport tools, or deliver products. But here’s the catch—most personal auto insurance policies don’t cover business use. That means if there’s an accident while driving for work (aside from your daily commute), you could be left paying the costs out of pocket.

The key difference lies in who owns the vehicle and how it’s used. If your business owns the vehicle, it must be insured under a commercial auto policy—not a personal one.

Commercial auto insurance is specifically designed to cover accidents that happen while driving for work. It typically includes:

  • Higher liability limits
  • Coverage for a wider range of vehicles
  • Protection for complex legal situations
  • Broader coverage for legal and medical expenses
  • All employees listed as insured drivers, as long as they have a valid license

At Income Resource Group, we’ll help you determine whether you need personal or commercial coverage—and make sure your business is protected every time you or your team hits the road.

If your current commercial auto policy isn’t delivering the support, service, or value your business needs, it might be time to take another look. A poor claims experience, limited flexibility, or rising premiums are all signs it may be worth exploring new options.

Just be sure to make the switch the right way. Canceling your existing policy before a new one is active can leave your business exposed to unnecessary risk and out-of-pocket costs.

At Income Resource Group, we make switching easy and stress-free. We’ll review your current coverage, help you compare better-fitting options, and ensure you stay protected every mile of the way.

Let’s find a policy that drives real value for your business—reach out today.

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