Are Commercial Car And Commercial Truck Insurance Different?

Many business owners that use vehicles in daily operation might be confused about the differences between commercial truck insurance and commercial car insurance. The terminology used for these types of commercial vehicle insurance policies does often lead to confusion. This article will address the differences between commercial car insurance and commercial truck insurance in a clear and concise manner.

Commercial Car Coverage

Commercial car insurance is a common name for what is actually usually referred to as small business auto insurance or business auto insurance. These types of policies will actually provide coverage on almost any type of vehicle – whether it be a car or truck. The exception would be for a large 18 wheeler truck, a semi trailer, or a semi tractor-trailer truck. This type is usually offered to policyholders who have the same type of coverage as personal car insurance policies, but with substantially higher policy limits. Though, the rates are generally much higher than with personal car insurance.

Commercial Truck Insurance

Commercial truck insurance is usually insurance coverage provided for large over the road semi tractor truck drivers. Many owner of large trucks are required to maintain commercial truck coverage. Again, this type of coverage offers many of the same policy benefits as other types of items of car insurance, but with much higher policy limits. In addition, many truck insurance policies provide coverage for cargo being carried in the truck while in transit and on company business.