Do I Need Commercial Auto Insurance?
Personal policies cover commuting and errands — not most business use. Answer eight questions to see where you stand.
1. Is the vehicle titled or leased in a business's name (LLC, corporation)?
2. Do you haul goods, freight, or people for pay (outside a delivery/rideshare app's coverage)?
3. Is it a box truck, heavy pickup (1-ton+), or does it tow a work trailer?
4. Do employees drive it as part of their job?
5. Do you drive between job sites or carry tools and equipment for customers?
6. Has a client, GC, or broker asked for a certificate with higher limits?
7. Does it have upfitting — ladder racks, a plow, dump body, signage, a kitchen?
8. Do employees run work errands in their own personal cars?
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Frequently asked questions
Can I just add business use to my personal policy?
Some personal insurers offer a business-use endorsement for light use like sales calls. It usually doesn't cover hauling goods or people for pay, employee drivers, or vehicles titled to a company.