If you own a small business in Hartford, New Haven, or Bridgeport, and you use a vehicle for work, whether it’s a van for your painting jobs, a pickup truck for landscaping, or a trailer for roofing supplies, you may need commercial auto insurance in Connecticut.
Many Hispanic business owners use their personal vehicles for work without knowing that regular car insurance may not be enough. In this blog, we explain the basic requirements for commercial auto insurance in Connecticut, so you can protect your business, your vehicle, and your future.
What Is commercial auto insurance?
Commercial auto insurance is a type of coverage made for vehicles used for business purposes. If you drive a vehicle to deliver materials, transport tools, visit job sites, or carry employees, then your personal car insurance likely won’t cover you if there’s an accident while working.
Depending on the coverages you choose, commercial auto insurance helps cover:
- Property damage and bodily injuries you cause to others as a result of a covered car accident
- Damage to your work vehicle
- Medical bills for you or your workers if injured as a result of a covered car accident
- Legal fees if someone sues you after an accident
Is commercial auto insurance required in Connecticut?
Yes. In Connecticut, the state requires you to carry commercial auto insurance if your vehicle is used for business.
The minimum commercial auto insurance requirements in Connecticut are:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
These are called liability limits. They help pay for damage you cause to others due to a covered car accident. But keep in mind—these amounts are the minimum requirements. Many small business owners choose higher limits or add more coverage to avoid large out of pocket payouts.
Who needs commercial auto insurance in Connecticut?
You may need commercial auto insurance in Connecticut if you:
- Drive to different job sites (like painters, landscapers, or contractors)
- Carry tools, materials, or equipment in your vehicle
- Have employees who drive your vehicle
- Use a trailer for work
- Deliver goods or services to clients
Even if your business is small, or if you're self-employed, it's better to be insured with limits that you are comfortable with. At Seguros Avanza, we help many Hispanic entrepreneurs like you understand what insurance coverage so that you can choose what you really need.
What happens if you don’t have commercial auto insurance?
If you use your vehicle for work and don’t have commercial auto insurance, your personal car insurance may deny your claim if something happens during business use. That means you could pay thousands of dollars out of pocket for repairs, lawsuits, or medical bills.
Also, driving without proper insurance can lead to fines, license suspension, and problems renewing your registration in Connecticut.
Other coverages to consider
In addition to liability coverage, many small business owners add:
- Collision Coverage – Helps to pay the repair of your vehicle after a covered accident
- Comprehensive Coverage – Helps to pay for events involving theft of your vehicle, vandalism, storms, and more
- Uninsured/Underinsured Motorist Coverage – Helps to pay for your medical bills if an at fault party without enough insurance hits you
- Hired and Non-Owned Auto Insurance – Used to insure the vehicles you rent or borrow for work purposes
How much does commercial auto insurance cost in Connecticut?
The cost depends on:
- The type of business you have
- The vehicles you use
- Your driving history
- The number of drivers
- How far and how often you drive for work
In other words, prices vary. The good news is, we offer affordable options, and payment plans to help you stay insured without breaking the bank.
Why choose Seguros Avanza?
At Seguros Avanza, we understand the needs of Hispanic small business owners in Connecticut. Whether you're in Hartford, New Haven, or Bridgeport, we speak your language and make it easy to get business insurance in Connecticut —even if it’s your first time.
- Bilingual agents ready to help
- Get easy quotes by phone or online
- Our agents offer help with documents and filings
- We have flexible payments and affordable plans
Get a free quote today
Don’t wait for an accident to realize you’re not insured. If you use your vehicle for work, make sure you have the right commercial auto insurance policy in Connecticut.
Call Seguros Avanza today or visit our website to get a free quote. Our agents are available to answer your commercial auto insurance questions. Move forward with Seguros Avanza!
