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There’s a Thin Line Between Personal and Business Auto Insurance

January 14, 2021
Author: Liz Giannetti

Today’s insurance PSA focuses on the thin line between personal auto insurance and business auto insurance.

If you are using a vehicle or trailer that is covered under a personal auto policy for work purposes, say delivering pizzas, or Uber, or hauling your tools and equipment to a job site, and there is an accident, it likely won’t be covered if the insurance company finds out you were conducting business at the time of the accident. We’ve heard the stories about someone who was trying to save a buck by insuring their trailer on a personal policy rather than a business policy, and the claim ultimately was denied, placing a huge financial burden on the trailer owner.

Yes, business auto policies are more expensive than personal auto policies, but luckily we have a lot of great insurance companies within Titan Insurance Services, so we can find you the best deal for your individual needs.

If you have something insured on your personal policy that you think should be insured on a business policy, give us a call and we can talk through the details.