Do I need business car insurance to claim mileage

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How to include business insurance in your automobile

If you anticipate starting driving for work in the near future, notify your existing insurer or make the distinction when renewing or purchasing new insurance. If you don’t have business car insurance before you start driving for work, you won’t be covered.

Who Needs Commercial Car Insurance?

If a driver’s driving falls into one of three ‘business usage’ categories, they must ensure their vehicle for business useā€”but what exactly is ‘business use?’ The definitions for the three distinct classifications of use are listed below so you can see if your driving qualifies as ‘business use’ for auto insurance purposes.

How do you receive HNOA coverage?

Many companies supplement their general liability insurance with hired and non-owned auto coverage. You can buy HNOA separately from your insurance agent, but getting both policies together will occasionally cut your insurance premiums.

How can you lower your chances of getting into an accident while traveling for business?

Even with enough coverage, it is preferable to prevent the need for a claim in the first place. It is your responsibility as a business owner to foster a safe working environment for your employees. Investing in a safer workplace can benefit you, your employees, and your bottom line.

Why Do I Need Business Use Coverage on My Policy?

If you only use your automobile to commute to and from one place of work every day, you don’t need to add Business Use to your insurance. If you’re not sure, check your certificate and schedule.

If you drive for a living, however, you’ll log a lot more kilometers than most people. Furthermore, you’ll be driving a lot during rush hours and other times of heavy traffic. Your employment may force you to drive in new areas and park in unsafe areas.

In other words, if you drive for business, you’ll find yourself in situations where accidents or theft are more likely. This renders you a high-risk driver in the eyes of insurers. This added risk is covered by business use insurance.

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