Business Auto Insurance for Contractors in Oregon

I'm a Contractor in Oregon. Do I need more than just Commercial Auto Insurance?

Contractors in Oregon often believe a commercial auto policy is the only type of insurance needed to conduct business and get around from job site to job site. Buying auto insurance to cover your rigs used in business keeps you legal while on the road. An Oregon commercial truck insurance policy covers you while driving against accident, theft, vandalism and in some cases injury to the passengers. While you are in the act of driving your car and you cause an accident making you responsible for injuries to other people in other cars and damage to property, you may not be properly covered for other injury or damage caused to others while on the job not related to the operation of your commercial vehicle.

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oregon_commercial_auto_insurance_1_smallYou own a truck or van and drive to one or two job sites a day. Perhaps one is in Hillsboro and one is in Gresham. You drive all the way across the Portland Metro Area. Maybe you have to run to your supplier and pick up some materials or tools and head back to the job. You want to make sure that your Oregon commercial auto insurance policy covers you while on the job. We can review your policy and make sure it is appropriate for the business you are in.

Contractors have unique needs. You move from one job site to the next multiple times per day. You often need to run to pick up materials that the original order didn't include. You may have to go on location of a potential job to gather information. Maybe you can calculate the bid on the spot or head back to the office to run the numbers and make some phone calls or check the Internet. No two days are the same. A personal auto policy may not be appropriate for what you do. And, you may be surprised at just how reasonable a commercial auto policy is in price and coverage.

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Which of the these Does NOT Need a Commercial Policy?