What is business use car insurance?
Business use car insurance applies to vehicles registered and used by businesses and to personal vehicles being used to work, including delivery drivers and rideshare drivers. Personal car insurance will not cover business use, so you'll need to adjust the coverage in your policy to cover you and your vehicle while you work.
What is the difference between personal and commercial auto insurance?
A personal auto policy would not cover you for accidents and lawsuits related to any business use of your vehicle, such as making deliveries or hauling equipment to a job site. Commercial auto insurance protects your business from the costs of accidents in your company-owned vehicles.
What is commercial auto insurance and who needs it?
It covers any of your employees who have your permission to use the company vehicle. Almost every state requires commercial auto insurance for businesses that have vehicles titled to the company and employees that drive to job sites.
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