Commercial auto insurance is coverage for cars, trucks, pickup trucks, vans and other vehicles used in your business. It will also protect you from third party claims for bodily injury and property damage when you or an employee cause an accident using a company car.
Although personal auto insurance can provide enough coverage for some businesses, especially if you are mostly driving your vehicle for personal use, it is a good idea to consider commercial auto insurance in some occasions. Consider a commercial auto insurance if your vehicle is owned by a business, and it is used for business purpose. Also, if you are a contractor transporting tools and equipment on your pickup truck or van, or if you own a business and need high liability insurance limits, you probably need commercial auto insurance. It is a good idea to consult an agent if you have any questions regarding the classification of your auto insurance.