Business Insurance
Coverage for the vehicles your business actually depends on.
A vehicle used for business, even part time, usually needs a different kind of coverage than a personal auto policy provides — a distinction that catches a lot of owners off guard.
No obligation. Starting a review does not change or bind any coverage.
What's going on
If your business owns a vehicle, or you use a personal vehicle for work, it's worth understanding whether it's insured the way you assume. A personal auto policy is written around personal use, and a vehicle used for deliveries, job sites, or client visits often falls outside what that policy actually covers.
Why it matters
This is one of the more common and expensive misunderstandings in small business insurance. A personal auto policy may exclude or limit coverage for a vehicle used for business purposes, even if it's the same truck the owner also drives on weekends. Finding that out after an accident, rather than before, is the scenario worth avoiding.
Things worth considering
Points we would talk through with you. Which of them apply depends on your situation, and what you do about them is your decision.
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Is the vehicle titled to the business or to an individual?
How a vehicle is titled affects how it should be insured. A vehicle titled to the business typically needs a commercial policy, not a personal one.
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How often is a personal vehicle actually used for work?
Occasional business use of a personal vehicle is treated differently than a vehicle used for work every day. It's worth being specific about how the vehicle is actually used, not just how it's titled.
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What liability limits does the business need?
Business vehicles often carry more liability exposure than personal driving, especially with employees behind the wheel. It's worth discussing limits that reflect that.
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Do employees drive their own vehicles for business errands?
When an employee uses their personal vehicle for company business, it's worth understanding how that exposure is addressed — this is often called hired and non-owned auto coverage.
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Does the fleet include specialized or heavy equipment vehicles?
Trucks that carry tools, trailers, or equipment sometimes need coverage considerations beyond a standard commercial auto policy.
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What's Missouri's minimum auto liability requirement, and is it enough?
Missouri sets a minimum liability requirement for auto insurance, but that minimum is often lower than what makes sense for a business vehicle with real exposure. It's worth discussing what limit fits your situation.
Information on this website is general in nature and is not a complete description of any insurance policy or every coverage option that may be available. Coverage availability, terms, conditions, limits and exclusions vary by insurer, policy and individual circumstances. The issued insurance policy and applicable endorsements control coverage. Beacon Point Insurance Group may provide information regarding available insurance options and discuss coverage considerations based on information you provide, but customers are responsible for selecting the carrier, coverages, limits and deductibles they wish to purchase. No insurance coverage is bound, changed, or canceled through this website unless confirmed by Beacon Point Insurance Group or the applicable insurer.
How this tends to come up
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A work truck insured as a personal vehicle
A tradesman in the Kansas City metro had been insuring his work truck on a personal auto policy for years. Reviewing his coverage surfaced that the truck's business use wasn't addressed the way he assumed.
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An employee using a personal car for deliveries
A small business in Independence had an employee occasionally use their own car to run errands and make deliveries. The owner hadn't considered how that exposure would be addressed until it came up in a review.
We Learn. We Compare. We Explain. You Decide.
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We Learn
We ask questions about your situation and the insurance you currently carry.
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We Compare
Based on the information you provide, we can obtain and compare available options from the insurance companies we represent.
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We Explain
We help you understand important differences in coverage, limits, deductibles, policy terms, and price.
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You Decide
You select the company, coverages, limits, deductibles, and options you want to purchase.
What working with us is like
The part people tend to mention is that someone explained it and then let them decide.
More business coverage
Let's find the options that work for you.
No obligation. Starting a review does not change or bind any coverage.