As a business owner you need the same kinds of insurance coverages for the vehicle you use in your business as you do for a vehicle used for your personal travel. These include liability, collision and comprehensive, medical payments (known as personal injury protection) and coverage for uninsured motorists. Even if you use the same vehicle for both business and pleasure, separate policies are needed. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the even that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on what type of driving you do. It all depends on how you use vehicles in your business, who will be driving them and whether employees (if there are any) are likely to be driving their own cars for your business (such as a pizza deliver service).

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Simply call our offices at 305-252-1009 with any questions you maybe have and a helpful agent will assist you or click here to get an online quote.

There are several different types of commercial auto coverages that cater to different needs.

• Business Auto Liability coverage

  Insures your legal obligations that arise from an accident, including lawsuits and other related cost.

• Business Auto Uninsured Motorist and Underinsured Motorist coverage

  Protects you when you are involved in an accident caused by a driver who has no insurance or insurance with relatively low limits.

• Business Auto Physical Damage coverages

  Insured your vehicle for direct damage (also known as Comprehensive, Specific Causes of Loss, and Collision)

A commercial Auto Insurance Policy may also include things like: Medical Payments and Towing Expense coverage as well as coverage for non-owned and/or hired autos.

Pickup trucks, vans, cars and SUVs
• If you the owner of small business such as a privately owned corporation, partnership, or sole proprietorship with anywhere from one to 100 employees, then typically your business will be using these types of vehicles.
Tow trucks and other commercial trucks
• If you work in the towing services or trucking industries, please visit the commercial truck sections to learn about unique products and features JAV Insurance has to offer to meet your business insurance needs.