It is a common mistake of small business owners to assume that because they have a personal auto policy for their vehicles and they use them in their small business, they have the correct coverage. This mistaken assumption can lead to a difficult situation in the event that an accident occurs, especially if the business owner has some sort of sign or business information on the vehicle. If an accident occurs it is probable that the insurance company will pay any claims, but it is also probable that the insurer will either not renew or possibly even cancel the policy. Business use of personal autos must be correctly insured in order to be properly protected. We can help you wade through the options and issues surrounding this type of coverage. Below is a list of businesses that we can write policies for. Construction - Special Trade Contractors Tradesman who earns income by performing repair, improvement, installation or maintenance services at residential and commercial locations including new construction sites. Construction - Builders & General Trade Contractors Contractors or builders managing projects related to housing or non-housing construction. They are responsible for the entire project (new work, alterations, remodeling and repair) and hire special trade contractors for their projects. Courier, Mail & Newspaper Delivery Business that earns income by completing the delivery of letters, documents or packages for a fee. Examples include but are not limited to: • Medical samples • Legal documents • Federal Express • Greyhound Package Express Dirt, Sand & Gravel Business earns income by transporting dirt, sand, gravel or asphalt on a for hire basis. Please verify if any state or federal filings are required. Filing information can be found in the Underwriting Tab. Farming & Livestock Businesses earn income by raising livestock or agricultural production. Examples include: • Farming • Ranching • Fisheries • Nurseries/Floriculture production Food Services, Restaurants & Pizza Delivery Business earns income by providing and selling prepared food. Vehicles used to support business by delivering prepared food, picking up supplies, running errands, etc. Landscaping, Snowplowing & Firewood Business earns income by providing Landscaping or Snowplowing services to residential and commercial properties. Can also earn income by delivering or selling firewood. Examples include but are not limited to: • Lawn care installation or maintenance • Snow removal (residential/commercial) • Tree trimmers • Delivery of firewood Logging & Transport Business earns income working in the logging industry. Please verify if any state or federal filings are required. Filing information can be found in the Underwriting Tab. Manufacturing Establishments engaged in the mass production of products. Non-Business Applicant uses vehicle for personal use only, no income is earned. Examples include but are not limited to: • Personal auto titled in the business name • Vehicle not acceptable on a personal policy • Vehicle used to haul: travel trailer, boat, historical vehicles, race vehicle • Stake truck hauling firewood for personal use • Dump truck for clearing own land Passenger Transportation (Not for Hire) Business earns income through a service to their customers. Passengers are transported as a courtesy and are incidental to the way the business earns a profit. Transportation of passengers is not done on a for hire basis. Unacceptable risks include taxicabs, transportation of prisoners or reform school students, transporting of children to and from school, all for hire livery/passenger risks. Retail Trade Operations Sale of goods in small quantities to public. Services Business earns income by providing a service or selling goods. Vehicles used to support business by delivering goods, picking up supplies, running errands, etc. Unacceptable risks include vehicles used to transport groups of individuals to neighborhoods for door-to-door sales. Towing Services, Gas Stations & Auto Repair Establishments primarily engaged in providing towing services and auto repair. Trucking For-Hire Business earns income by manufacturing and/or transporting raw materials, goods or equipment. Examples include but are not limited to: • Agricultural hauling • Livestock hauling • Machinery & heavy equipment • Steel hauling • Coal hauling (physical damage only) • Hazardous materials (physical damage only) • Debris removal (physical damage only) Wholesale Trade Establishments primarily engaged in mass distribution of durable and/or non-durable goods to retailers. These definitions are not applicable in all states or for all products. This is not an insurance contract. Other terms, conditions, and exclusions apply. Please read your policy for full details about the coverage’s. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control. |
