For business purposes, a separate policy is essential for vehicles, as personal car insurance does not provide coverage for business-related items. If your business involves using vehicles for regular or occasional tasks, a commercial auto policy is a necessity.

Garage Keepers coverage is tailored to safeguard against any damage incurred by a customer's vehicle while under your supervision, control, and responsibility. Any garage business handling the repair or maintenance of vehicles, boats, or recreational vehicles belonging to others should strongly consider this coverage. Examples of garage operations that could benefit from Garage Keepers coverage include auto repair shops, service stations, body shops, dealerships offering service, and businesses involved in the storage or maintenance of customers' items.

Inland marine insurance provides coverage for goods, supplies, and machinery during land transportation, such as by truck or train, or when stored temporarily at a third-party warehouse. Collisions and theft of cargo are the primary causes of losses in inland marine insurance. If your company regularly ships products or equipment, it would be wise to explore acquiring inland marine insurance. This kind of protection becomes crucial when dealing with valuable goods or materials that are typically not covered by standard property insurance.