I am opening a new business in Palm Bay. I will have a vehicle for that business that only I will drive; would I need a commercial auto policy?

In general, if a vehicle is used in tasks related to the operators business operation or profession other than driving to or from work (your commute), a commercial auto policy would be necessary for that vehicle.

Tips to consider:

If you are using your vehicle to transport goods or people for a fee or if you use your vehicle to conduct a service, you may need a commercial auto insurance policy.

A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.

Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial vehicle insurance policy.

A commercial insurance policy may be needed if employees operate the vehicle or if ownership is in the name of a corporation or partnership.

Many business uses and vehicle types may be excluded from personal policies. The independent agents at Hoffman & Associates can help you determine the coverage you need based on how your vehicles are used in conducting your business and who will be driving your vehicles.