Is Auto Insurance Required for Your Small Business?

The easy answer is no. You are not required to carry insurance to own a small business. It is recommended, but not required. (There are some exceptions for businesses that must carry insurance, but if you are in one of those businesses, you know it.)

Of course, there are no hard and fast rules. If your business owns a car, you need to have auto insurance. If your employees are going to drive for you, you SHOULD have auto insurance. If you drive your own car for business, you SHOULD have auto insurance.

Why? The first one is easiest. If the business owns a vehicle, you must insure it because California law requires the owner of a car to insure the car. So, you must insure it. If your employees are going to drive for you, you do not need insurance, but if they drive their car, and they are not adequately insured, the person they hit may sue you. If you drive your own car, and it is insured, you should have auto insurance because your personal policy may not cover you for damage that occurs when you are in an accident while working.

Insurance is one area where you may want to hire someone to help you figure out what insurance is required, what you should have, and what you do not need.

Comments

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Hi,

I have a website on small businesses, do i have to insure it? Please advise me.

[Car Insurance Quotes]

The opening paragraph of your posts seems contradictory to your article. Especially since the article is about auto insurance. Perhaps revise it and state the simple answer is yes.

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A nice post! And a very useful information. But actually I think it is better for anyone who owes a car to have an insurance.

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If you are using your vehicle to delivery anything as part of your business, you need to insure your car as a business auto. A personal auto policy specifically excludes coverage as a "livery" or "delivery" vehicle. That means hauling people or "stuff" around for a fee will not be covered by your personal auto policy.

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[Auto Insurance Quotes]

Having an auto insurance policy for your car is always preferred.

[Fred The Car Insurance Expert]

Yes, it is recommended to have an inurance on auto for our small business. But it is not compulsory. It is always preferred to have an insurance on auto but not required for business. To have an insurance on auto is the best way of saving money.

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[Candice Pardue]

Liability will protect your company in case of an accident during business hours... whether caused by you or your employee. Keep in mind that your company cars, trucks, or vans represent your company while out on the road - especially if they have your business name plastered all over them. Better to have more liability coverage than you feel you'll need too! Candice

[Family Insurance Quote]

Insurance for a car is best! I can't tell you how many bad experiences can be prevented by just getting insurance!

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It is better to take Insurance for your vehicle.

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You are right. What they may need, though is business owners insurance, or business liability insurance.

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you have to have insurance. this is a must.