Les propriétaires de petite entreprise sont nombreux à croire qu’ils seraient couverts par leur assurance auto des particuliers en cas de sinistre automobile, mais ce n’est pas toujours vrai. Il existe de grandes différences entre l’assurance auto des particuliers et celle des entreprises, ce qui pourrait vous exposer à des pertes importantes en cas de sinistre. Voici quatre questions qui vous aideront à déterminer si vous avez besoin d’une assurance auto des entreprises.

  • Is the vehicle you’re using registered in your personal name or your business’ name?
  • If you regularly use your vehicle to transport business property of any kind such as goods materials, merchandise, equipment or tools, you should consider a commercial auto insurance policy. Also, if you use your vehicle for driver training or to transport customers for any reason (for example, you operate a limousine service), you should speak to your insurance provider about commercial auto insurance.
  • The make and model of your vehicle can also help determine if you should consider a commercial policy. Bigger, heavier commercial vehicles often cause more damage when involved in an accident, and your coverage should reflect that.
  • Some personal policies will stop covering vehicles if they have commercial advertisements on the exterior.
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