Should you carry a commercial auto insurance policy?  This is a question you should ask yourself if you are self employed, or if you own a business.

A regular personal lines auto policy is there for an average daily use vehicle.  It is for people who commute to and from work, run errands, take the kids to school and activities, going to social events, etc.

Anything on top of that, you want to have a conversation with your insurance agent.  If you are driving your car for work to go to sales meetings there is a provision on some personal line policies called “business use”.  This expands the coverage on the policy.

If you are taking clients in your car, like a realtor, you want to make sure that you have enough coverage on your policy, but your personal line policy, may still be right for you.

You should carry a commercial policy if the vehicle is owned by the business or if the vehicle is used by employees for the business.  If you are going to and from job sites every day, or hauling equipment for the company, you should have a commercial policy.

Listen to the podcast to hear my thoughts on when to consider covering your vehicle on a commercial policy.

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