I’m having trouble finding business auto insurance for my small craft business and could really use some guidance. I travel to craft fairs to sell my products and recently discovered that my personal car insurance won’t cover me during these trips.
However, I’m struggling to find an insurance provider that will give me a quote. It seems like every online insurer either tells me that my travel radius (up to 200 miles) isn’t covered, that they don’t service my area (Washington State), or they simply don’t respond (like a local insurance agent I reached out to).
What steps can I take to find the right coverage? Any advice would be greatly appreciated!
It sounds like you’re facing some real challenges getting the right coverage for your business needs. Here are some steps you can take to help find business auto insurance for your craft business:
Specialized Business Insurance Providers: Look for insurance companies that specialize in coverage for small businesses or specifically for home-based businesses. They may have more tailored options for your needs.
Commercial Auto Insurance: Since you’re using your vehicle to conduct business activities, you may need a commercial auto insurance policy rather than a standard personal policy. Make sure to clarify that when you speak to insurers.
Contact Local Insurers: While online quotes can be convenient, consider calling local insurance agents directly. They might have more flexibility or be more familiar with your specific situation in Washington state.
Business Owner’s Policy (BOP): Some insurance companies offer a BOP that combines general liability and vehicle insurance under one plan. It might be worth looking into that option as it can simplify your coverage needs.
Networking: Connect with other small business owners in your area or online forums. They can share their experiences and possibly recommend insurers that understand your unique needs as a craft business.
Broker Services: Consider working with an insurance broker who can compare multiple policies on your behalf. They might have access to markets that are not available to the general public.
Detailed Information: When seeking quotes, be as detailed as possible about your business operations and travel needs. This will help insurers understand your risk profile better.
Flexibility with Radius or Area: If your current insurance options have radius or area limitations, see if you can adjust your business operations slightly to fit within those parameters while still accommodating your craft fair schedule.
State Resources: Check with Washington state’s insurance department for resources or lists of insurers that are licensed to operate there, which may include those who specialize in small craft businesses.
Persistence is key, so don’t get discouraged. Keep reaching out and exploring different options until you find the right coverage for your business. Good luck!