☰ ˟
Call Us Today / 855.554.6482
Logo
  • Home
  • Get A Quote
  • Policy Service
  • What We Offer
    • Automobile
    • Business & Commercial
    • Flood
    • Homeowners
    • Limousine
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • SR-22
    • Watercraft & Boat
  • Resources
    • View Our Blog
    • Review Us
    • Insurance Glossary
    • News Center
  • Payment/Claims
  • About Us
    • About Guardian Insurance
    • Our Location(s)
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact Us

Find the right coverage that fits your needs!
Home > Blog > Commercial Auto Insurance for Pick-Up Trucks with Shared Personal and Business Use
FRIDAY, DECEMBER 8, 2017

Commercial Auto Insurance for Pick-Up Trucks with Shared Personal and Business Use

image of red pickup truckYou own a pickup truck. You use it for business-related tasks such as going to a client's home. You also use it to drive the kids back and forth to school. You use it for both commercial and personal needs. Do you need commercial auto insurance? Should you use just personal auto insurance? Protecting your investment in the vehicle is important. Work with your auto insurance agent to discuss the specific needs in your case.

Who Owns the Vehicle?

A good place to start is vehicle ownership. If your business owners the vehicle, the business' auto insurance should kick in to cover the vehicle. In this case, purchase commercial auto insurance. Even if the vehicle has personal use, the business asset needs coverage.

If you are a sole proprietor, this may not be the case. If you are working for yourself using your vehicle, then a personal auto insurance policy may be enough coverage. However, if you're going to use your vehicle to transport clients of business assets, then you might consider upgrading to a commercial policy.

How Do You Use the Vehicle?

The next question is how you use your vehicle most of the time. Here are a few examples:

  • You use your vehicle to get to and from work locations. That's it. You likely do not need commercial auto insurance in this case.
  • You use your vehicle throughout the work day for work-related tasks. You need commercial auto insurance.
  • You own the vehicle, operate as a sole proprietor, and visit just one or two locations each day. In this case, you may still benefit from just a personal auto insurance policy.

What Type of Truck Is It?

Smaller pickup trucks do not always warrant the investment in a commercial policy. However, larger and heavier vehicles do. If your pickup has special equipment on it, such as a lift, you may need commercial grade insurance. Heavy-duty pickups are more likely to cause damage. For this reason, having a commercial insurance policy is best. Also note that if you wish to increase your general liability limits, a commercial auto insurance policy is best. It automatically offers more coverage. It costs less than a separate liability insurance plan, too.

Overall, commercial auto insurance is best for those who use their pickup truck most of the time for work needs. Protecting this business asset is important. Call Guardian Insurance at 855.554.6482 to speak to your business insurance agent to learn more about these specific needs. Your case needs a customized plan. Your agent will help you find the correct coverage.

When Do You Need Commercial Auto Insurance?

What is Liability Car Insurance?

Posted 5:23 PM

Tags: auto insurance, commercial auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011

  • insurance(42)
  • georgia(25)
  • coverage(25)
  • business insurance(24)
  • guardian insurance(22)
  • auto insurance(18)
  • lawrenceville(12)
  • atlanta(8)
  • protection(8)
  • renters insurance(8)
  • georgia insurance(7)
  • home insurance(7)
  • motorcycle insurance(7)
  • tips(7)
  • general liability(6)
  • atlanta auto insurance(5)
  • liability(5)
  • lawrenceville ga insurance(5)
  • commercial auto insurance(5)
  • auto(5)
  • car insurance(5)
  • car(4)
  • flood insurance(4)
  • business(4)
  • rv insurance(3)
  • auto insurance lawrenceville(3)
  • lawrenceville car insurance(3)
  • workers compensation(3)
  • requirements(3)
  • sr-22 insurance(3)
  • lawrenceville auto insurance(3)
  • builders risk(3)
  • options(3)
  • recreational vehicle insurance(2)
  • rates(2)
  • flooding(2)
  • unmarried couples(2)
  • premiums(2)
  • commercial insurance(2)
  • maintenance(2)
  • customer service(2)
  • roswell auto insurance(2)
  • small business insurance(2)
  • car insurance lawrenceville(2)
  • buy auto insurance(2)
  • safety(2)
  • lawrenceville motorcycle insurance(2)
  • general liability insurance(2)
  • atlanta rv insurance(2)
  • liability insurance(2)

View Mobile Version

Our Customer Feedback

Read More

Our latest blogs

  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
Guardian Insurance
888 Pleasant Hill Rd NW, Suite E
Lilburn, GA 30047
We at Guardian Insurance have been offering our customers tailored polices with the best coverage at the most affordable price. We service several areas such as the the Metro Atlanta area of Georgia.
We're here for you
Home Page/ About Us/ Contact Us/ Our Blog/ Join Our Newsletter/ Refer A Friend
Quick Help Links
Quote Forms/ Make a Payment/ Insurance Glossary
Icon Icon
Icon Icon Icon
Social Icon Social Icon Social Icon Social Icon
© Copyright. All rights reserved. Powered by Insurance Website Builder