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Personal Auto Policy vs. Commercial Auto Policy

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If you are a small business owner you may wonder if you need a Commercial Auto Policy or if a Personal Auto Policy will fit your needs. There are a few simple questions you should ask yourself to help determine what policy type is best for you.

  • Do employees drive the vehicle?
  • Do they drive people for a fee?
  • Do they deliver goods?
  • Do they need higher liability limits?
  • Do they have equipment like trailers or ladders in or on their vehicle?
  • Do you need an additional insured?
  • Is your vehicle titled to the business?

If you answer yes to any of these questions you may need to try a commercial auto policy in order to be covered properly. Please give us a call to discuss your individual needs. Every customer is unique, let us help you find the policy to fit your needs.



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