As a businessowner, you need some of the same insurance coverages for the cars, trucks, vans or other vehicles you use in your business as you do for vehicles used for personal travel.

Your Businessowners Policy (BOP) does not provide any coverage for vehicles, so you must have a separate policy Auto insurance protects you and our employee's against financial loss if either of you have an accident. Auto insurance provides property, liability and medical coverage: 1.Property coverage pays for damage to or theft of your car. 2.Liability coverage pays for your legal responsibility to others for bodily injury or property damage. 3.Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. On any given workday, you may have employees on the road operating a variety of vehicles. Whether you provide company vehicles, or your employees are using their own personal vehicles, business auto insurance is a must — in fact, it's required in most states.

Business auto insurance provides coverage for cars, trucks and vans used by you or your employees for business purposes. Your business vehicles are not covered by your business owners policy or personal auto insurance, so you must buy a separate policy. Commercial insurance is designed to help protect many of the risks your business can face, including:

damage or destruction to your business vehicles certain liability exposures resulting from the operation of your business vehicles damage or destruction to your office equipment or inventory loss of income in case you have to close-up shop temporarily because of a covered loss certain business related liability exposures such as, wrongful entry or search, libel, slander and even certain offenses arising out of your business’s advertising risks to your cargo while in transit or storage theft or loss of tools and equipment crime coverage including robbery, burglary, even employee dishonesty