If you use cars, trucks, vans, or other motor vehicles in your business, you’ll need commercial auto insurance. If your company uses any type of vehicle(s) on the job, even for minor tasks like running errands, you’ll need commercial auto insurance. Depending on the type of policy you choose, commercial auto can cover the cost of repairs to a vehicle damaged on the job. Commercial auto liability insurance protects you financially if a work vehicle causes damage to someone else’s property or causes him or her injury.
This type of coverage protects you from financial loss if one of your business vehicles is damaged in an accident. It provides liability protection if the accident causes injury to another person or damage to property. Commercial vehicles require special coverage because they’re a part of your business. Personal auto insurance policies won’t cover accidents that occur for work vehicles, leaving your company at risk financially. If you lease, rent or own any vehicles used for any work purposes, you’ll need one or more types of coverage. This might include: