Frequently Asked Questions (FAQs)
Any business that owns or operates vehicles for business purposes needs commercial vehicle
insurance. This includes companies that use cars, trucks, vans, or other vehicles for tasks such
as deliveries, transportation, or hauling goods.
Commercial vehicle insurance typically covers liability for bodily injury and property damage,
collision damage, comprehensive coverage for non-collision incidents (e.g., theft, vandalism),
medical payments for injuries to the driver and passengers, uninsured/underinsured motorist
coverage, and cargo coverage.
Commercial vehicle insurance covers vehicles used for business purposes, while personal auto
insurance covers vehicles used for personal use. Commercial insurance often has higher coverage
limits and may include additional coverage options tailored to business needs.
Yes, if your business owns or operates vehicles for business purposes, you likely need commercial
vehicle insurance. Even if you use your personal vehicle for business tasks, you may need
additional coverage beyond your personal auto insurance policy.