Do you need commercial insurance to deliver flowers part time?

hi i just wanted to know if i need a commercial insurance to deliver flowers part time. im 17 and have personal coverage but do i have to buy commercial? thanks
so if i get into an accident would i be covered?

Any one that uses their personal vehicle for business purposes, such as delivering pizza, flowers, news papers, or packages, should have commercial insurance. If you have an accident while in the line of your job the insurance carrier will probably deny coverage.

Using you car for business purposes gives you car more exposure to other traffic so your insurance carrier will need to rate your insurance accordingly.

This entry was posted on Friday, February 5th, 2010 at 5:36 pm and is filed under commercial insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

7 Responses to “Do you need commercial insurance to deliver flowers part time?”

David W on February 5th, 2010 at 10:51 pm

Probably not, but you should inform your agent and probably have to pay a business use rate. Between your age and that premium, I hope you’re getting paid well, because it’ll be high. Not doing this could void your coverage in case of an accident while on the route.
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The Eagle Keeper on February 5th, 2010 at 11:03 pm

As long as you keep it locally, I should think not.
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ravenjudge on February 5th, 2010 at 11:08 pm

yes, legally, you should indeed have commercial insurance-your company may be able to change your current policy to small business, but really you’ll be better served with a proper commercial policy-better coverage for liability, which you NEED, and better for comp/coll too. Your company can deny coverage-indeed, can cancel your policy-if you are using your vehicle for commercial purposes and have not advised them of this!
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halfacigarette on February 5th, 2010 at 11:58 pm

It doesnt matter what you are doing it matters what you are driving. You need a commercial drivers license if you are driving anything that has a gross vehicle weight of over 26000 pounds.
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Peedlepup on February 6th, 2010 at 12:28 am

Any one that uses their personal vehicle for business purposes, such as delivering pizza, flowers, news papers, or packages, should have commercial insurance. If you have an accident while in the line of your job the insurance carrier will probably deny coverage.

Using you car for business purposes gives you car more exposure to other traffic so your insurance carrier will need to rate your insurance accordingly.
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Hytur on February 6th, 2010 at 12:51 am

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pete on February 6th, 2010 at 1:07 am

autoinsurance.maclenet.com – try this one. I have their car insurance and, as I know, they can provide such a service.
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