If you use your vehicle for business purposes in Louisiana, you should get commercial vehicle insurance. Trusted Choice explains that this type of auto insurance is designed specifically to cover your vehicle when it is used for business. Your regular insurance will not cover you if you are using your vehicle as part of business services, such as delivering or hauling items being sold as part of your business.
Commercial vehicle insurance offers you similar coverage to your regular auto insurance policy. You can get liability coverage that protects you should you cause an accident and damage someone else’s property. You can also get comprehensive coverage to cover damage to your vehicle. In addition, some polices offer coverage for you when you are loading or unloading, provide rentals and towing services. It is usually highly adjustable based on your needs.
Remember that your regular policy will probably not cover any claims if your insurance company finds out an accident occurred when the vehicle was used for business. This is because the liability needs are different when you use a vehicle for business versus using it for personal use.
Commercial insurance is typically available through any auto insurance provider. Some companies may not offer it, so you will need to shop around. Of course, you also want to shop around to get the best price possible. On the plus side, commercial auto insurance is a deductible expense on your taxes because it is a business-related expense, so you will save that way, too. This information is for education and is not legal advice.