I’m struggling to find business auto insurance for my small craft business, and I could really use some advice. I travel to craft fairs to sell my products and just discovered that my personal car insurance doesn’t cover me during these trips.
However, I can’t seem to get a quote from any insurers. It feels like I’m hitting a wall—every time I reach out, I either get told my travel radius of up to 200 miles isn’t covered, or that my location in Washington state isn’t acceptable. Some local agents don’t even follow up with me.
Can anyone offer guidance on what I should do next? Thanks!
It sounds frustrating to navigate the insurance landscape for your craft business! Here are a few steps you might consider to find the right business auto insurance:
Specialized Insurers: Look specifically for insurance companies that specialize in small business or artisan insurance. Some providers focus on insuring small businesses and might be more familiar with your needs.
Commercial Auto Insurance: Ensure you are looking for commercial auto insurance policies. These are designed to cover vehicles used for business purposes, unlike personal auto insurance.
Local Agents: While you mentioned that local agents haven’t been responsive, it might be worth reaching out to multiple agents who focus on small businesses. You could ask for recommendations from other local artisans or craft business owners.
Online Marketplaces: Consider using online insurance marketplaces where you can compare quotes from various providers. Websites like CoverWallet, Insureon, or The Hartford can sometimes yield results that traditional insurers do not.
Networking: Connect with other small business owners in your area, especially those in the craft industry. They may have recommendations for insurers who understand your specific needs.
Adjusting Your Radius: If some insurers are limiting coverage based on your radius, consider being flexible with your travel radius. Alternatively, explain your business model clearly when applying for coverage, as some insurers might make exceptions depending on the situation.
Check for Niche Programs: Some associations or trade groups for small business owners offer specific insurance programs that cater to craftspeople. Look into whether there are any industry organizations you could join.
Understand Coverage Scope: When you find quotes, make sure to thoroughly review what’s covered, especially in the context of traveling to craft fairs. This way, you’ll know you have the protection you need.
Consult an Attorney: If you’re still having trouble, consulting with a legal expert who specializes in small business might help you understand your insurance requirements better and even recommend some providers.
Persistence is key, and don’t hesitate to reach out to multiple sources until you find the coverage that fits your business! Good luck!