Do Rideshare Drivers Have To Carry Business Auto Insurance?
Offering rideshares, regardless of how much and how often, usually departs from the types of situations that personal auto insurance policies are meant to cover. As a result, drivers may need to supplement their personal coverage with some sort of coverage.
Depending on the specifics of their personal auto policy and rideshare driving situation, drivers might be able to purchase coverage through their ridesharing provider, add on a rider to their personal policy or get a business auto policy. For help sorting through these options, drivers should talk with a knowledgeable insurance agent who’s familiar with both personal and business auto policies.
What Protections Are Included in Business Auto Policies?
Many of the coverages included in business auto insurance policies are similar to those found in personal auto policies, although terms, conditions and exclusions are often adjusted. Some of the more common coverages that business auto policies typically offer include:
- Personal Injury Coverage, which may cover the injuries of people who are in a company vehicle
- Bodily Injury Liability Coverage, which may cover the injuries of people who aren’t in a company vehicle
- Collision and Comprehensive Coverage, which may cover damage sustained by a company vehicle
- Property Damage Liability Coverage, which may cover damage caused to others’ property
- Uninsured and Underinsured Motorist Coverage, which may cover accidents caused by motorists who aren’t properly insured
There are many other coverages available in addition to these. A knowledgeable agent can help businesses and organizations select the right combination of coverages that’s right for their situation.
How Can Businesses in Massachusetts Get Commercial Auto Insurance?
For help finding commercial auto insurance, contact Keefe Insurance. Our independent agents have helped many different businesses in Massachusetts find auto insurance, and we’re here to assist your business as well. Because all of our agents are independent, they can help you compare quotes from multiple insurance companies and choose the best policy option regardless of what insurer offers it.
