Commercial Auto Insurance

Common Misunderstandings About Commercial Auto Insurance

A lot of businesses delay or avoid purchasing coverage because of assumptions that simply aren’t true. These misunderstandings can lead to costly gaps in protection when an accident occurs:

• “The vehicle is in my personal name, so my personal policy applies.”
  Even if the vehicle is personally owned, using it for business purposes can result in denied claims. It’s the use of the vehicle—not the name on the title—that often determines the type of coverage required.
• “I don’t drive that much for work, so the risk is low.”
  Accidents don’t depend on how often you drive. One short business-related trip is enough to trigger a claim that a personal policy may refuse to cover.
• “Only delivery or trucking businesses need Commercial Auto.”
  Any business that uses vehicles—contractors, real estate professionals, consultants, cleaning services, and more—faces exposure when driving for work, even if transporting nothing at all.
• “My employee has their own auto insurance, so I’m protected.”
  An employee’s personal policy does not protect your business. If an accident happens while they’re driving for work, your company can still be held legally responsible.
• “If I use my vehicle to commute, that counts as business use.”
  Commuting to and from work is not the same as business driving. The moment you visit clients, transport tools, or run errands for work, different coverage rules may apply.
• “Commercial Auto Insurance is only for large companies.”
  Small businesses, independent contractors, and self-employed professionals often face the greatest risk because one uncovered claim can be financially devastating.

Protect Your Business Before an Accident Decides for You

Commercial Auto Insurance isn’t just about protecting vehicles—it’s about protecting your livelihood. One accident can lead to lawsuits, medical claims, and unexpected expenses that can seriously impact your business.

The right coverage depends on how your vehicles are used, who is driving them, and the nature of your work. That’s why working with a licensed insurance professional makes all the difference.

Our office is here to guide you, answer your questions, and help you secure the right coverage from trusted insurance carriers—so you can focus on running your business with confidence.