Ryan's District Boards

If you have a home based business,You are not allowed to view links. Register or Login, you probably have to use your car at least     
  occasionally for errands or deliveries.  Your personal insurance is usually good     
  coverage if you drive your car for business but only if you’re working for someone     
  else.  A home-based business is an entirely different animal for a lot of reasons.     
  Do You Need Business Insurance for Your Car?   
   You may have a home based business and not even realize it.  If you work at home hours     
  a day to make a profit, you obviously have a home based business.  However,You are not allowed to view links. Register or Login, if you     
  travel to job sites or make deliveries using your home as your office or base,You are not allowed to view links. Register or Login, this     
  also qualifies as a home based business.       
  When do you need a policy that covers your car under a home-based business?  If you     
  need to drive clients to and from investment sites or property that they are thinking     
  of buying, your personal auto insurance will probably suffice since the transportation     
  you provide isn’t the main function of your business.  If you make deliveries on a     
  regular basis,You are not allowed to view links. Register or Login, though, you will need a commercial policy to cover your liability.  In     
  the first instance, transportation is an incidental means to an end whereas in the     
  latter it is a major function.   
  When you use your personal vehicle for business purposes you are not only in danger of     
  compromising your personal assets in case of an accident, you’re putting your business     
  assets on the table as well.  In this litigious society, someone is much more likely to     
  sue you if you have a business than if you did not.  Most people think a small business     
  owner has a lot of real and financial assets and see an accident as an opportunity to     
  better themselves.  The sad fact is that most home based business owners are struggling     
  just like everyone else!  But if you don’t have commercial coverage for the car you     
  drive for business, any claimants can try to strip you of your business and will     
  probably succeed.  By insuring your business you are protecting your future earnings as     
  well as your current assets.   
  Spend More to Spend Less   
  Commercial auto coverage is a bit higher but you have more to lose, too.  If you     
  regularly haul expensive equipment in your car as part of doing business, commercial     
  auto insurance would be a wise investment.  It will usually cover up to $10,000 if     
  equipment you’re transporting is lost, damaged or stolen and is not a permanently     
  attached item of equipment.   
  A business owner’s policy on your car will cover property and liability risks both on     
  and off your premises.  As an entrepreneur who is trying to achieve financial     
  independence, one of your most valuable tools is your insurance coverage.  If you     
  already have coverage on the car you use for business you might be able to save money     
  by getting some online quotes.  If you don’t have coverage, it would be wise to take     
  advantage of it.  By getting several online quotes you’ll be able to find the cheapest     
  price for the best coverage to protect your business and your future.     
    Home Based Car Insurance
Facts About Home Based Car Insurance