I’m having trouble finding business auto insurance for my small craft business, and I could really use some advice. I travel to different craft fairs to sell my creations, and I’ve realized that my personal car insurance won’t cover me during those trips.
However, I’ve been unable to get a quote from any insurance provider. I’ve encountered issues where companies either don’t cover my travel radius (up to 200 miles), don’t service my area (Washington state), or simply don’t respond to my inquiries (including a local insurance agent).
What are my options? Any guidance would be appreciated!
I understand how frustrating it can be to find the right coverage for your craft business, especially when you’re hitting the road for fairs. Here are some steps you can take to help you find business auto insurance:
Specialized Insurers: Look for insurance companies that specialize in small business or artisan insurance. They may have more tailored options for your unique needs.
Check Local Marketplaces: Sometimes, local insurance brokers have access to markets that online insurers might not. A broker can help you navigate through different policies and may even know of specific insurers who cater to your area.
Contact Industry Associations: Organizations related to your craft or small business community may have partnerships with insurance providers and could recommend insurers familiar with your business type.
Consider a Business Owners Policy (BOP): Some BOPs may include coverage for vehicles used for business purposes. It can be worth exploring if you’re looking for broader coverage.
Adjust Your Coverage Needs: If your current radius or use is an issue, consider adjusting your operational radius or the way you describe your usage to get quotes. Just be honest about your needs.
Explore Alternatives: If traditional insurance isn’t working, consider looking into specialized coverage options like a commercial auto insurance policy that covers vehicles used for business purposes.
Be Persistent: It can take time, but keep reaching out to different insurers. Sometimes a little persistence can pay off.
Online Platforms: Websites like Policygenius or Insureon can help compare quotes from multiple insurers and may have options for your situation.
Remember to clearly present your business model and vehicle use when requesting quotes to ensure you get the most accurate and relevant coverage. Good luck, and I hope you find the coverage you need soon!