If you plan to use the vehicle for any type of business-related activities then a commercial policy will be required.

Does commercial auto policy cover personal use. If you want to drive a work vehicle for personal reasons then you need to buy a personal policy for that vehicle or add language to your commercial auto insurance policy. However as a business owner you must understand what the policy covers when it is in effect and if it covers all of your employees. As a rule a commercial auto insurance policy does not cover the personal use of a vehicle.

To close the coverage gap youll need to add a Drive Other Car Coverage endorsement to your Business Auto Coverage Form. What if Employees Drive Their Personal Vehicles on Business. The name depends on the type of vehicle being insured but the concept is all the same.

If employees use their personal vehicles for business. Your personal auto policy wont cover business use Because this policy includes less coverage its usually less expensive than commercial auto insurance. Ad Come Direct To Direct Line For A Car Insurance Quote You Cant Get Anywhere Else.

A commercial auto insurance policy can provide physical damage and liability coverage for the cars trucks and other vehicles used in a business enterprise. Although your personal car policy might grant coverage to your car it wont protect it if its MAINLY used for business purposes. Employers Business use This covers all the above plus extends cover to any named drivers to drive in connection with the personal business of the main driver and any business of their spousedomestic partner If you need to add Employers business use or check what is covered.

COMMERCIAL AUTO INSURANCE. Ad Come Direct To Direct Line For A Car Insurance Quote You Cant Get Anywhere Else. Commercial auto insurance also goes by a number of other names such as business auto commercial vehicle commercial car truck or fleet insurance.

You need commercial auto insurance for any automobile taxi van limo bus or small truck that you use for business because a personal auto policy will not cover your vehicles used for business. However if you drive the vehicle to and from locations without hauling things then a personal policy may cover you. So does commercial auto insurance cover personal use.