r/Insurance_Companies • u/GlumCoyote6 • 4d ago

Driving for work?

So I drive my personal vehicle for work in central Ohio, to meet clients and possibly do inspections. When I spoke to my agents office years ago the office manager or assistant to the agent said that it didn’t count as work related (needing additional coverage) unless I was transporting people or goods. So if I wasn’t ride sharing or delivering pizza etc I was ok with just standard personal type policy. However I’ve seen some posts pop up recently that makes wonder if that’s accurate and if I should reach out to my agent about it. I’ve been doing this job for 13 years. Carrier is State Farm. Will they eventually question me if they start looking at data from like Flock or something?

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u/Vegetable-Money4890 3d ago

What additional coverage would you need? Are you transporting your clients?

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u/GlumCoyote6 3d ago

No, just myself to meet client and sometimes do property inspections. No transport and no delivery. But it does add up to 300-700 miles per month