Commercial Auto Insurance

If you use a vehicle for business purposes, your personal auto insurance may not cover you. Most personal auto policies exclude coverage when the vehicle is used for commercial activities. A single accident while driving to a client site could result in a denied claim.

Do You Need Commercial Auto?

You likely need commercial auto if you: drive clients or goods, make deliveries, transport equipment, have employees who drive for work, or use a vehicle titled in your business name.

What It Covers

Commercial auto covers the same basic perils as personal auto — liability, collision, and comprehensive — but with higher limits appropriate for business use and coverage for business-specific situations like loading and unloading cargo.