Commercial Insurance for Pickup Trucks
If you use your pickup truck for business needs, you’re going to need more than a standard insurance policy. Commercial insurance for pickup trucks allows you to meet California’s requirements for commercial auto insurance while also choosing the coverages that benefit you and your business the most. Read on to learn more about the best insurance for pickup trucks and see how the right policy can make all the difference for your business.
Do You Need Pickup Truck Insurance?
Your pickup truck and the cargo you haul are crucial assets of your business, which means you need an effective pickup truck insurance policy to protect those assets.
Anyone who uses their pickup truck to haul tools, equipment, or materials for work needs commercial pickup insurance. This includes a wide range of businesses and professionals, including tradespeople, construction companies, landscaping professionals, and contractors. Commercial insurance for pickup trucks allows these businesses to protect their vehicles, equipment, materials, employees, and passengers while operating.
Coverages for Pickup Truck Insurance
Every insurance policy is different, but there are a few common coverages to keep in mind for your pickup truck insurance.
First and foremost, all California commercial auto insurance policies must meet the state’s minimum liability requirements. These minimum limits ensure that your policy can pay for damages in the event of an at-fault accident. California’s minimum requirements are:
- Liability limit: $15,000 per person
- Bodily injury limit: $30,000 per accident
- Property damage limit: $5,000
Keep in mind that these limits can change if you travel to different states for your business.
You can also pick and choose from other beneficial coverages to provide more financial protection for your vehicle and equipment in the event of an accident.
Many pickup truck drivers add collision coverage to pay for damage to their vehicle in a wreck. You can also purchase comprehensive coverage to pay for damages caused outside of an accident, such as theft or fire. Personal injury protection covers your medical bills if you’re hurt in an accident. Finally, uninsured and underinsured motorist insurance protects you if you get into a wreck and the other driver doesn’t have adequate insurance coverage.
Why Choose Saferoad?
When you need cheap pickup truck insurance that covers all of your business needs, turn to the team at Saferoad Insurance. Our friendly experts are here to help you find a policy that works for you and your budget. Visit Saferoad today to learn more and get your pickup insurance quote.