Where can i find auto insurance without a business exclusion?

Where can i find auto insurance without a business exclusion?

i am a delivery driver and finding auto insurance with out a business exclusion is nearly impossible! i have to have this type of insurance to continue working! help me!


It's not NEARLY impossible, it IS impossible to find a personal auto policy, which will cover you when making deliveries. It's a standard exclusion on the PERSONAL auto policy.If you want coverage while delivering, you need to buy a COMMERCIAL auto policy. It will cost more. You most likely can't buy this directly - you need to buy through an agent licensed to sell insurance in your state.Talk to a local, independent agent, who can get you quotes with a couple different companies.


You can purchase a private passenger vehicle policy with a classification for business use. I write them all the time. It's easy.Call State Farm. Other companys may do it too.Just ask for business use on the cars. It's not commercial because it is not a commercial vehicle like a tow truck. It is private passenger classified for business.


Most standard auto policies have a business exclusion. You may be able to purchase an endorsement or Business Auto Policy that will provide you coverage.Source(s):Insurance Adjuster


It shouldn't be all that difficult. I've been an insurance broker for over 30 years.A business use policy for a vehicle primarily used in a business is usially written as a Business Auto policy and not as a Family Auto Policy or a Personal Auto Policy. To qualify you musy have a legitimate business use and may be required to show [prove] a clean driving record.If there is no coverage available from the standard market for any reason you might consider the assigned risk market.I know the problem. I've covered many pizza delivery men.If you continue to have problems go to your employer and ask them to refer you to their insurance agents.



Popular Q&A

In MD, what is the cheapest car insurance for a new driver?
If you have had no violations or claims while on your mother's policy her company should be the cheapest. Your first break is at age 21. The next is at age 25.

What is the best way to relocate from one state to another?
Not too hard but requires planning. SO, for auto insurance simply ask for a quote from your current company based on the city you want to live. If they require an address, find an address based on a location you MIGHT want to live. Housing is easy to find on-line and you will have to rent...

Can you switch car insurance with a pending accident case?
While it won't affect the handling of your claim (the company who insured you on the date of loss is on the hook), make sure Geico is aware you have an open claim. If they are not aware and they write you a policy, they may void it during the underwriting review. I have had customers in the...

Looking for the Nebraska division corporate offices of Farm Bureau Insurance?
You should contact your agent to deal with this issue.I did a quick peek, and it doesn't appear that there is a corporate claims office in Nebraska. Their corporate address is: P.O. Box 27427 Raleigh, NC 27611-7427Many times an insurance company uses a local independent adjusting firm to...

What is the cheapest car insurance place?
You are going to have to either call around, or do some research online. There are some local places that normally provide fairly cheap insurance, but sometimes their rates are higher than well known companies. If you don't have any luck in your area, try doing some research about different...