• Home
  • Get A Quote
    • Annuities
    • Automobile
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Dental
    • Farm
    • Flood
    • HealthImage of right arrow
      • Health Insurance Quote
      • Disability Insurance Quote
      • Long Term Care Insurance Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Homeowner Flood Quote Form
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Motorcycle
    • Pet Insurance
    • Recreational Vehicle
    • Renters
    • Travel
    • Trucking
    • Vision
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
      • Auto & Home Coverage Checklist
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Flood
    • Health
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
      • Home & Auto Coverage Checklist
    • Life
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Other
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Vision
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
  • Claims
    • Automobile
    • Business & Commercial
    • Flood
    • Homeowners
    • Motorcycle
    • Renters
    • Watercraft & Boat
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Important Files
    • Insurance Glossary
  • About Us
    • About Etler-Kettenacker Agency
    • Location Map
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Logo
Home > Blog > Why Your Teen May Need Commercial Insurance
WEDNESDAY, APRIL 6, 2016

Why Your Teen May Need Commercial Insurance

Your teen was likely thrilled to score that part-time job delivering pizzas:

Free pizza?

Getting to drive around town on the clock?

Tips?




However, your teen might want to reserve some of those tips for car insurance. In fact, they may need to up their coverage, or, in some cases, switch from a personal to commercial policy.

Simply put, personal policies are written with the average private citizen's habits and needs in mind, whereas commercial policies are designed to address the unique needs and situations that arise in commercial use.

Car insurance companies consider commercial auto insurance and personal car insurance to be two very different types of policies due to the differences in liability and risk. And if you file a claim on your personal car insurance for a vehicle you use for work, your car insurance company may deny your claim simply because some business uses violate the terms of your personal car insurance policy.

So before you start delivering pizzas (or using your vehicle primarily for reasons other than commuting), be sure to review your car insurance policy and talk to your agent.

Lastly, make sure your teen knows that safety is the top priority.

Getting that pizza delivered in 30 minutes or less should not come at the expense of his safety.


Source: esurance, Commercial Car Insurance Policies: Not Just for Big Business | esurance, Commercial Auto Insurance | esurance, Why We Ask Certain Questions for Your Car Insurance Quote.

Photo credit: Tom Woodward.
Posted 11:00 AM

Tags: pizza delivery, commercial insurance, insurance, liability insurance, coverage, auto insurance, policy
Share |


NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2021
  • 2020
  • 2019
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011

  • insurance(49)
  • car insurance(29)
  • auto insurance(22)
  • safety(21)
  • homeowner's insurance(19)
  • save money(15)
  • policy(15)
  • insurance agent(13)
  • life insurance(11)
  • distracted driving(9)
  • deductible(9)
  • kids(8)
  • safe driving(8)
  • coverage(8)
  • cars(8)
  • pedestrian safety(7)
  • safeco(7)
  • premium(7)
  • homeowner's policy(7)
  • insurance policy(7)
  • home(6)
  • taxes(6)
  • texting while driving(6)
  • auto(6)
  • car(6)
  • fall(6)
  • summer(6)
  • technology(5)
  • kid safety(5)
  • liability(5)
  • homeowner(5)
  • flood insurance(5)
  • travel insurance(5)
  • homeowners insurance(5)
  • family(5)
  • spring cleaning(5)
  • back to school(5)
  • car safety(4)
  • self-driving car(4)
  • car seat safety(4)
  • small business(4)
  • car accident(4)
  • home insurance(4)
  • car seats(4)
  • driving(4)
  • road hazards(4)
  • online shopping(4)
  • halloween(4)
  • shopping(4)
  • tax season(4)

View Mobile Version
Social Social Social
7588 Central Park Blvd., Suite 219 | Mason, OH 45040
P: 513-984-0404 | F: 513-984-4347 | E: rachel@ekagency.com

Powered by Insurance Website Builder