Oregon Businesses Eligible for Auto Insurance
Businesses that Require Commercial Auto Coverage
Question: What type of business is eligible for a commercial auto policy?
Answer: If you use your car in the course of employment or for business purposes you should consider business use coverage.
Say you use your car to run your kids to school, soccer practice, ballet lessons, basketball games, and to buy groceries. Maybe you take the family on a camping trip or to church on the weekends. Perhaps you drive to the same job every day, on the same route, the same time five days a week. Do you need a business auto policy? Obviously not!
Now, let's say you run errands for your employer around Hillsboro, or you use your car as a courier service in the Portland Metro Area, or deliver newspapers or pizzas in Gresham. Hmmm. Now were talking commercial use. Does your personal auto policy cover you for those activities? Why do you think those pizza delivery places give their drivers magnetic detachable signs to put on the roof of the car? That activity is not covered under a personal auto policy. You convert your van into an ice cream truck in the summer time? Not covered on personal policies. Especially when that tinny music is so annoying! These activities require a commercial auto policy.