If you’re a small business owner in Oklahoma, you might be using your personal vehicle for work—running deliveries, meeting clients, or hauling equipment. But here’s the catch: your personal auto insurance might not cover business use. That’s where commercial auto insurance comes in.
Let’s break down why it’s essential, who needs it, and how to make sure you’re fully protected.
1. Personal Auto Policies Exclude Business Use
Most personal auto policies don’t cover accidents that happen while you’re using your vehicle for work purposes. If you’re in a crash during a business errand, your claim could be denied—leaving you with out-of-pocket expenses and potential legal exposure.
Tip: If your vehicle is titled to your business, used for deliveries, or frequently transports tools and equipment, you need commercial coverage.
2. Protects Your Business Assets
An accident while on the job doesn’t just risk your vehicle—it can put your entire business at risk. Commercial auto policies include higher liability limits and legal defense coverage that can help protect your company from lawsuits and claims.
3. Covers Employees & Additional Vehicles
Do employees ever drive your vehicle—or theirs—for business purposes? Commercial auto insurance can be customized to cover multiple drivers, multiple vehicles, and even hired/non-owned vehicles used occasionally.
Example: An employee runs a bank errand in their own car. If they get into an accident, your business could still be liable. The right policy closes that gap.
Bonus: Custom Coverage Options
Commercial policies can also include extras like:
Rental reimbursement
Towing & roadside
Cargo/equipment coverage
Uninsured motorist protection
Don’t Risk It—Let’s Get You Covered
At Greg Wilson Agency, we help small business owners in Glenpool and beyond stay protected on the road and in the office. We compare quotes from top-rated carriers and tailor policies to your actual business needs.
Call (918) 291-8358 or get a free commercial auto quote today.