A commercial policy may be necessary if you use your vehicle for business purposes other than commuting to work.

Does my personal auto policy excluded business use. If youve any named drivers on the policy they might not be covered for their business-related use. Absent material misrepresentation in the application regarding the use of the vehicle the PAP responds to an incident arising from business use. Use this checklist to help determine which type of policy fits your needs.

Similarly your employees personal auto policies cover some business use of their vehicles too. Selling repairing servicing storing or. In general using your vehicle for business purposes can be a no-no according to your liability policy.

Personal Auto Policy Number. The rational behind this exclusion is that if a consumer is using a vehicle for business purposes the risk of being in an accident is higher than if you are simply using the vehicle to go to work. For example it may say that the business of.

Class 2 Business Car Insurance. The only exception is livery. Reach out to your broker or carefully read through your own policy documents to learn more.

At policy inception an insured can answer truthfully that they do not use the vehicle for any business purpose but later begin to do so unaware of the restrictiveness of this type of exclusion. Personal Use of Commercial Vehicles. Types of Business Usage Excluded From a Personal Policy In some scenarios you have no choice but to buy a business policy even when you own your vehicle and when you drive for both business and personal use.

This is because there are types of use that are listed in the named exclusions portion of a policy. A personal auto policy is unlikely to provide coverage however if the vehicle in question is used primarily in business. Endorsements or hybrid policies may be available but you wont get the coverage unless you disclose the business use of your vehicle.