Personal auto versus commercial auto: questions for a working vehicle

Describe business use clearly

Tell the insurance professional whether the vehicle travels between jobsites, carries tools or materials, makes deliveries, tows a trailer, displays business markings or is driven by employees. Regular business use may not fit the assumptions of a personal policy.

Ownership matters too. A vehicle titled to a company, leased to a business or reimbursed under a business arrangement should be disclosed.

Ask about the gaps around the vehicle

The vehicle policy may not fully cover tools, customer property or materials carried inside. Trailers and permanently installed equipment can require separate attention. Hired and non-owned auto exposure may arise when workers use personal vehicles for business errands.

Make changes promptly

New drivers, vehicles, garaging locations, routes, states of operation and business services can affect coverage. Keep a basic vehicle-and-driver list and update it rather than waiting for renewal.