PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
How do I insure a truck used for my business?
I own a small painting company that has grown a bit this year, so I recently purchased an old F-150 to carry our equipment between job sites. This is the first vehicle I’ve ever purchased for the company and I am curious, how do I insure the truck for business use?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on the recent growth! Purchasing your first business vehicle is a significant step and you are doing the right thing by ensuring it is appropriately insured.
When it comes to insuring a vehicle used strictly for business, you will need to purchase a commercial auto policy. These tend to have similar
types of insurance
as personal auto insurance policies but offer higher coverage limits and protections for employees who may be using the vehicle. When purchasing the policy, you can also ask the insurance agent about coverage for vehicles owned by employees but used for your business.It is crucial that a vehicle used primarily for business is not insured under a personal auto policy or you risk your insurance company not offering any coverage in the event of an accident or injury. The last thing you want is for you, or your employees, to be left without any coverage after an accident.
Finally, if you occasionally use your personal vehicle for work or to visit various job sites, this may be considered permitted business use under a personal auto insurance policy. However, it is best to consult with your
car insurance
company to avoid any potential issues after an accident. If you are looking for a new personal auto policy to reflect any permitted business use of your vehicle, or you have questions on what may be allowed, consider signing up for
Jerry
. Jerry shops insurance rates with over 50 insurance providers for free to find the policy that works best for you. If you have any questions during the process, agents are only a text away!View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies