Commercial vs Personal Auto Insurance
Figuring out what kind of insurance - and how much - you need can be confusing. That's why we’ve provided the simple tool below to help you decide whether personal auto insurance or commercial auto insurance is right for you.
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Note: If you need additional information on any of the terms above, see our commercial auto insurance terms.
How to Determine if You Need Commercial Vehicle Insurance
Personal auto insurance policies can provide enough auto insurance coverage for some businesses, especially if you're also driving your vehicle for personal use. However, if you require specific commercial auto insurance coverages, high Liability insurance limits, operate an unusual vehicle, haul special equipment, transport goods or people, or have other special needs, then you'll need commercial auto insurance.