Own a business and not quite sure if you need commercial auto insurance? We understand your confusion. As always, the Tango, Tango & Tango agents are happy to help sort this out for our fellow Long Island business owners.


office desk and chair

Why does my business need commercial auto insurance?

Honestly, many businesses don’t require commercial car insurance. However, to really figure out if you need it, let’s start with figuring out what this type of insurance is.

What is Commercial Auto Insurance?

Commercial is similar to personal car insurance. It’s just meant for cars that are used for business purposes and the two coverages resemble each other. You’ve liability insurance, which covers damage you cause in your vehicle, and then there’s the collision coverage coupled with comprehensive coverage, which keeps your automobile safe regardless of who caused the damage.

However, commercial insurance goes a little further. It gets “extra” if you will. There’s specific things on policies that can cover you if an employee uses their own cars for business purposes.

We can’t list all of the ins-and-outs of commercial policies, but we’re happy to answer those questions when you call us at our Commack and Rockaway offices right here on Long Island!

Why does my business need a commercial auto insurance policy?

It may not. If you’re working for yourself, and just drive to the corner coffee shop to work on your laptop, chances are, commercial insurance for your car isn’t necessary.

However, if you’re working for yourself as a plumber, and use your personal car or truck to go to a customer’s home and you have all your tools and supplies in your car - you’ll need commercial auto insurance to cover everything, because personal car insurance won’t cover you.

What’s crazier is…. if you use your personal car not just for work, but also for personal use, you’ll need good old regular car insurance for the times you’re driving around for personal reasons. PLUS, you’ll need commercial auto insurance for when you’re driving around using your car for work.

Commercial Insurance is a beast

We know. It’s overwhelming. It’s even worse if you’re a start-up company, or self-employed, or a real estate agent who sometimes drives clients around in his own car to see homes. We get it. It’s why we’re the best commercial agent on Long Island to call with all of your questions about Commercial Business Insurances, not just business auto insurance.

Call us today at 631.543.0500, or contact us at www.tangotangotango.com and we’ll call you!
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