Food Trucks, Landscapers and Contractors: Commercial Auto Insurance Options for Your Business

Running a business in Harvey, LA often means your vehicles are working just as hard as you are. Whether you are rolling out a food truck for a weekend festival, hauling landscaping equipment across town or driving a crew to a job site, the vehicles you rely on require coverage built for the way you work.

Why Commercial Auto Insurance Matters

Personal auto policies generally are not designed to cover vehicles used for business purposes. If you are involved in an accident while making a delivery, transporting tools or driving a branded vehicle for your company, a personal policy likely will not offer compensation. Commercial auto insurance is built around business use and the coverage needs that come with it.

Coverage Options for Businesses

Most states require businesses to carry minimum levels of bodily injury liability and property damage coverage on commercial vehicles, though many businesses choose broader coverage. Common options may include:

• Liability coverage—May help cover bodily injury and property damage you cause to others
• Uninsured and underinsured motorist (UM/UIM) coverage—May help cover costs if you are in an accident caused by a driver with little or no insurance
• Physical damage coverage—Including collision and comprehensive
• Hired and non-owned auto coverage—For vehicles you do not own but use for business

Tailored Solutions for Food Trucks, Landscapers and Contractors

Businesses have distinct and unique coverage needs. Food truck operators may need coverage that accounts for both driving and stationary use at events. Landscapers hauling trailers and heavy equipment may need higher liability limits. Contractors transporting employees may benefit from policies that can help pay for injuries that might occur due to accidents while traveling to and from job sites. Coverage details can vary by policy, so reviewing your options carefully is always worthwhile.

Get the Right Commercial Auto Coverage

Contact Insurance Center of New Orleans today to discuss auto insurance options. Our team can help you find a policy that fits how you work.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.