Running a business is not just about what happens behind a desk. For many Ohio businesses, that means being on the road–delivering goods, transporting equipment, meeting clients, or overseeing multiple job sites.
That is where commercial auto insurance comes in, and while it may seem similar to personal coverage, the differences can make or break a business. Here are three ways commercial auto insurance differs from standard personal coverage:
- Business Use Means Different Risk
If you are using your vehicle to handle jobs, move equipment, or drop off deliveries, a personal auto policy may not have your back. That kind of coverage is built for everyday errands–not for the demands that come with running a business! Unlike personal policies, commercial auto insurance is designed specifically for the kind of work you do, giving you peace of mind every time you hit the road.
- More Than Just the Driver
In business, it is rarely just you behind the wheel. Maybe an employee is heading to a job site, or someone on your team is using a company van for deliveries. Commercial auto insurance is built with that in mind. It protects the people who drive for you and the variety of ways your vehicles are used. Personal auto policies typically stick to the person named on the policy, but when it comes to your business, flexibility matters.
- Higher Limits, Broader Protection
Running a business means higher stakes. A single accident in a company vehicle could trigger major costs like medical bills, repairs, or even legal claims. That is why commercial auto insurance gives you more than just basic protection. With higher liability limits and extras like coverage for tools, cargo, or borrowed vehicles, it is built to protect what you have worked so hard to grow.
At Frost Insurance , we proudly serve commercial auto insurance to Toledo, OH, Haskins, Otsego, Perrysburg, Maumee, Sylvania, and the surrounding areas. Commercial auto insurance is not just something to check off your list, it is a strategic part of protecting everything you have built! Let us help you get the protection you deserve. Contact us today to get a quote on commercial auto insurance for your business!
