{"id":692,"date":"2025-02-14T04:00:00","date_gmt":"2025-02-14T10:00:00","guid":{"rendered":"https:\/\/www.insuregv.com\/blog\/?p=692"},"modified":"2025-02-10T14:37:32","modified_gmt":"2025-02-10T20:37:32","slug":"should-my-small-business-have-commercial-insurance-and-commercial-vehicle-insurance","status":"publish","type":"post","link":"https:\/\/www.insuregv.com\/blog\/should-my-small-business-have-commercial-insurance-and-commercial-vehicle-insurance\/","title":{"rendered":"Should My Small Business Have Commercial Insurance and Commercial Vehicle Insurance?"},"content":{"rendered":"<p>Small business owners often rely on commercial insurance to cover their contractual and legal obligations and other risks. While most business owners acquire the appropriate commercial insurance policies for their business, some take unnecessary risks by relying on their personal auto insurance policy to cover business vehicle use. This can be a mistake that could potentially threaten your business and personal assets. Contact the Insurance Center of Green Valley, serving Green Valley, AZ, to ensure you have the commercial coverage for your needs.<\/p>\n<h2>Commercial and Commercial Vehicle Insurance<\/h2>\n<p>Small businesses vary by industry, the number of employees (if any), and motor vehicle use. While many think commercial vehicle insurance is for companies with delivery vans, work trucks, or similar &quot;business&quot; vehicles, more businesses need commercial vehicle insurance than those. As a small business owner, you should have commercial vehicle insurance if you:<\/p>\n<ul>\n<li>Have vehicles owned or leased by the business<\/li>\n<li>Transport work products, tools, or other goods in a vehicle or use one to make deliveries<\/li>\n<li>Drive clients or employees to lunch or other activities paid for by the business.<\/li>\n<\/ul>\n<p>Each of the above is a business activity not covered by your personal auto policy. Business owners sometimes make business-related claims against individual policies that their insurance company unknowingly covers. However, if an investigation reveals the accident was business-related, the insurer will rightfully reject the claim. Therefore, it is best to protect yourself and your business by discussing your commercial vehicle use with your agent.<\/p>\n<h2>Working with the Insurance Center of Green Valley<\/h2>\n<p>The Insurance Center of Green Valley serves the individual and business communities in and around Green Valley, AZ. Call (520) 468-1150 today to discuss your insurance options and obtain the policies that suit your needs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Small business owners often rely on commercial insurance to cover their contractual and legal obligations and other risks. While most business owners acquire the appropriate commercial insurance policies for their business, some take unnecessary risks by relying on their personal auto insurance policy to cover business vehicle use. This can be a mistake that could [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[250,244,115],"class_list":["post-692","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-commercial-vehicle","tag-green-valley-az","tag-insurance-center-of-green-valley"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Small business owners often rely on commercial insurance to cover their contractual and legal obligations and other risks. While most business owners acquire the appropriate commercial insurance policies for their business, some take unnecessary risks by relying on their personal auto insurance policy to cover business vehicle use. 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