A Commercial Auto policy is needed if a vehicle is being used for the operations of the business. Similar to personal auto policies, coverage is available for Bodily Injury Liability, Property Damage Liability, Medical coverage, & Physical Damage coverage.

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• The extent of coverage in a Commercial Auto policy can be either broad or narrow, depending on your choice of options. In general, you have 3 options for which vehicles you choose to cover:
   

  • Autos your business owns

  • All autos your business owns, hires or leases

  • All autos used for the business, including those that your business does not own, hire, or lease.
     

• The third option is most recommended because it is the only coverage that protects businesses from liability when an employee or owner is driving a personal vehicle on business.
   

• Most Personal Auto policy’s cover incidental business usage. For example, if you use your vehicle to get to a work location or job site, and the vehicle in question is not used for a business purpose or operation, that would be considered incidental to the business. If the vehicle is used in any capacity beyond transportation to a job location, you may need a Commercial Auto policy.