Using the right tool for a job is the key to success in any profession. Experts say the same principle applies when selecting a state or California auto insurance policy. Having the right type of policy ensures that you, your employees, and your business are protected if one of your vehicles is involved in an accident.

If you or your employees use a vehicle for business-related deliveries or carry certain materials to and from a job site, you may need a commercial state or California auto insurance policy that’s tailored to closely suit the needs and risks of a business vehicle operator.

Here are some questions to help you determine if you need a commercial or personal state or California auto insurance policy, courtesy of Community Brokerage:

• Do you need more liability coverage than your personal auto policy provides? Generally, a commercial state or California auto insurance policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.
• Do you need special coverage for situations associated with conducting business? Commercial state or California auto insurance policies usually offer certain coverages, such as hired and non-owned auto coverage and coverage for towing a trailer that are not available with personal auto policies.
• Do you need to list any employees as drivers? You can do this with a commercial state or California auto insurance policy.
• Do you use your personal vehicle for business purposes? If your personal vehicle is used to deliver pizza or newspapers, catering, door-to-door consulting service, landscaping, snowplowing, or logging services, day care and church retreat van service, or farm-to-market deliveries, you likely need a commercial auto policy.

Community Brokerage is an independent state or California auto insurance agency with trained, licensed insurance professionals who offer personal service and advice. They can help you find the state or California auto insurance policy that suits the needs of your company.

To learn more about what an independent state or California auto insurance agency can offer your company, visit www.Direct Choice Insurance .com, or give us a call.