Can I Use My Personal Vehicle to Deliver Flowers?

You can, the question is the vehicle insured correctly? You buy personal auto insurance to protect you and others in the event of an accident when you are driving for personal reasons. You need business auto insurance also known as commercial auto insurance when driving your vehicle for business reasons. Your personal auto insurance has strict exclusions for providing insurance coverage for business use.

Many of our small florists use their vehicle for both business - delivery and for personal use. With business auto insurance you can arrange for use for personal and business however with personal auto insurance you generally cannot use your vehicle for business use.

Business auto insurance comes with a greater degree of flexibility, higher limits of liability and is often deemed as much more expensive than personal auto insurance. That is just not true, based on premium charged for insurance coverage business auto insurance is actually a lower cost per thousand dollars in coverage than personal auto insurance.

You can control your insurance costs to a large degree by having a good driving record, hiring employees who drive who have a good driving record and properly maintaining you vehicle. For more information regarding business auto insurance contact your insurance agent or give us a call at Ted Hamm Insurance at (805)238-1818.



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