Why Landscapers and Service Contractors Need Commercial Auto Insurance

If you own a landscaping business or any other residential service company, you already know that your work does not just happen on the job site. Most days involve driving from one property to another, hauling trailers, equipment, and materials to keep projects on schedule.

With all that time on the road comes a major risk. An accident can happen to anyone, and when it does, how your vehicles are insured makes a big difference.

One of the most common issues I see with small and mid-sized businesses is that they are still using a personal auto policy for vehicles used in their business. It might seem fine at first, but personal auto insurance is not designed for commercial use.

If you or an employee are involved in an accident while driving for work, your insurance company can deny the claim entirely. That means you could be left paying for damages, injuries, and even legal costs on your own.

A commercial auto policy solves that problem. It is built specifically for business use, covering your company, your vehicles, and your employees while they are driving for work. These policies offer higher liability limits and make sure that if something happens, your insurance will actually respond.

Even if you only have one or two vehicles, it is worth reviewing your coverage. One uncovered claim can be far more expensive than the cost of having the right protection in place.

If you would like to make sure your business vehicles are covered correctly, fill out the form below to have one of our advisors review your current policy.