Question 1

Do I need commercial auto insurance if I use my personal vehicle for work?

Accepted Answer

If you regularly use your personal vehicle for business purposes — deliveries, client visits, transporting equipment — your personal auto policy may not cover accidents that occur during business use. Commercial auto or a business use endorsement is recommended.

Question 2

What is the difference between commercial auto and personal auto insurance?

Accepted Answer

Commercial auto insurance is designed for vehicles used primarily for business. It typically offers higher liability limits, covers multiple drivers and vehicles, and includes coverage scenarios specific to business use that personal policies exclude.

Question 3

Can I insure a fleet of vehicles under one policy?

Accepted Answer

Yes. Fleet policies cover multiple business vehicles under a single policy, which simplifies administration and often reduces per-vehicle costs. We can help you structure the right fleet coverage for your business.

Question 4

What is hired and non-owned auto coverage?

Accepted Answer

Hired auto covers vehicles you rent or lease for business use. Non-owned auto covers employees using their personal vehicles for company business. Both are important gaps to fill if your business doesn't own a fleet.

Commercial Auto

Commercial Auto — Frequently Asked Questions

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