Do you, like many owners of small businesses, rely upon an individual auto insurance policy to cover your business? This may be acceptable when the company is very small, the owners is the only one to drive the vehicle, and no inventory, supplies, or passengers are involved. But as the company grows beyond this, relying upon personal auto policies can be a problem.

But as some of these businesses grew, purchased inventory and equipment, and even hired employees, they may have outgrown a personal policy.

But let us consider the first issue. Have you told your insurer you use your car for business? If not, you could be taking a big risk as your personal policy may not have coverage limits that are adequate, or you may actually be violating your policy.

You may have declared a low mileage estimate when you took out your policy. Lots of people carry the same car coverage for years, and they really do not remember what they put on an initial application. But if you used to use your car to pick up the afternoon car pool, and now you use it to drive all over town, you probably need to correct your policy.

Do employees use the car, or do you expect them to use their own cars for work? You really should address your coverage if other people, not named in your policy, use your vehicle to perform your company business.

You need to be concerned about damage to your own vehicle, and also to other people’s cars and property. But you also need to make sure that your business is protected in case your employee, or another person, is injured in the accident. Do you pick up passengers? Personal injury suits are serious these days. If you pick up passengers to conduct your business, your standard personal injury limits may be way too low.

What do you carry in your car? If you transport inventory or supplies, you are risking loss through damage or theft if they are not properly covered. Many small businesses really cannot afford to replace these items. Proper business car insurance can minimize risk in case of an acciden or theft.

You do not want to risk your business because you lack property business car insurance.

If you have questions about your own personal or business insurance, consult this free directory – Find Insurance Agents – to search for local agents.

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