On the commercial auto application it asks if this is a service, commercial or retail vehicle. I know it’s not retail. But what’s the difference between a commercial vehicle and a service vehicle?
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Service use are vehicles that transport the insurerd’s personnel, tools, equipment and incidental supplies to and from a job site. Vehicles are at the job site the majority of the day. Examples would be Carpenters, Electricians, and Insurance Agents.
Commericial is anything that is not Retail or Service but is primarily vehicles hauling property between businesses. (Retail are vehicles used to deliver property to individuals or households, such as store delivery trucks. )
If you will ammend your question and describe what you do, we can give our opinion of which classification you should use.
Service is a vehicle that you use to get to and from a job site. The vehicle itself, isn’t used in the business. Typicially it would be like a salesperson’s car.
Commercial is a vehicle that’s actually used to perform the job – like when you’re a courier bringing stuff somewhere, or if you have a truck that delivers stuff, or hauls materials (like gravel, or concrete) to a job site, or you’re hauling people (limo, taxi, bus, ambulance).
Retail, is when you’re delivering to a residence – a non-business. Like flowers, or furniture delivery.
Then to complicate matters – you can even throw in the ARTISAN class, normally under SERVICE.
One more reason to have a local independent agent answering (and completing) the application FOR you. . . . . that’s part of what he gets “paid” to do!
Good luck and I hope this helps!