Using your personal vehicle for business purposes may not be covered by your personal auto insurance. Understanding the difference between personal and commercial auto insurance is essential for proper protection.
When You Need Commercial Auto Insurance
- Vehicles are titled to your business
- Employees drive company vehicles
- You transport goods or equipment for business
- You use your vehicle for business deliveries
- Your vehicle is specially modified for business use
Key Differences
Coverage limits — Commercial policies typically offer higher liability limits. Driver coverage — Commercial policies can cover multiple drivers and employees. Vehicle types — Commercial policies cover a wider range of vehicle types and uses.
If you use any vehicle for business purposes, talk to your BlackArrow agent about whether you need commercial coverage.
