Business Auto

Business Auto Policy

A business auto policy provides coverage for a company’s use of cars, trucks, vans, and other vehicles in the course of carrying out its business. Coverage details may include vehicles owned or leased by the company, hired by the company, or employees’ personal cars used for business purposes. Personal auto policies typically exclude coverage for business use.

Most businesses have a single combined limit policy of $1,000,000 which provides insurance coverage for any vehicle that you use for business purposes and its drivers listed on the policy. Business auto insurance helps pay the costs of property damage, lawsuits, lost business income, etc. If it is associated with an at-fault accident, it might not be covered if the driver is not listed on the policy.

Advertising Business on Personal Vehicle

A commonly asked question: If someone permanently advertises his/her business in the window or door of their personal auto, do they need business auto insurance?

The answer is yes! Most personal auto policies exclude coverage for business use. If there is potential exposure for the business, the business owner needs to have sufficient insurance coverage. Contact us today to learn more about business auto insurance and what is covered.

Protect Your Business

Take control of protecting your small business, your family’s future, and your employees by speaking to a licensed agent today.

HorizonFirst Location Mount Pleasant South Carolina

Located in Charleston, SC, we are proud to serve clients throughout the Lowcountry, including:

  • Mount Pleasant
  • Isle of Palms  
  • Daniel Island
  • West Ashley
  • James Island
  • John's Island
  • Folly Beach