Business Car insurance FAQs

If you own vehicles that you use for business purposes, then you likely will need to get business, or commercial, car insurance. Commercial car insurance is different from personal car insurance, so you may have some questions before you find a policy. Here’s a look at some frequently asked questions about this type of insurance.

What Coverage Is Available?

The coverage under a commercial policy is similar to a personal policy. You will be able to get coverage for property damages and injuries to others. You may also be able to get coverage for damages to your own car and injuries to you and your passengers. Commercial insurance also offers options for employees who drive your vehicles during work hours. Another coverage specific to business is loading and unloading liability. You may be able to get replacement reimbursement so you can get a replacement vehicle if yours is not operational due to an accident.

Is Commercial Insurance Customizable?

Yes. You can customize your insurance to meet your business needs. For example, if you have a few vehicles that are used for business, you can get them all covered under one policy. You can also customize the drivers of your vehicles and get special coverage to help if a vehicle is damaged in an accident and cannot be used. You also are able to opt out of some coverage that isn’t needed for your business.

Do I Need Insurance?

In most states, it is a law that you must have coverage. However, even if it isn’t the law, you should still have coverage. Losing your vehicle in an accident or having an employee responsible for an accident can take a huge financial toll on your business. By having insurance you are protecting yourself and your business. You get the peace of mind that you will have help paying for any damages or injuries that result from an accident involving your business vehicles.

Insurance is especially important for businesses that rely heavily on their vehicles. For example, delivery services are going to be on the road a lot, so the risk is higher for accidents or other incidents. However, even if your business doesn’t use the vehicles a lot, you still need insurance on them.


How Do I Know if I Need Commercial or Personal Auto Insurance?

If the vehicle is in the business’ name, then you will need commercial insurance no matter what you use it for. However, if it is in your name, you may still need commercial insurance in certain cases. If it is used for hauling products, transporting business supplies, delivery services or transporting people, then you will likely need commercial insurance.

How Do I Get Commercial Insurance?

Many of the same companies that sell personal auto insurance also sell commercial insurance. As with any time you purchase insurance, you should shop around. You can use a site like to help you compare your options.

How Much Does It Cost?

Costs of commercial auto insurance will vary based on a few different factors, but it should be noted that it will almost always be more expensive than your personal insurance. The type of vehicles you are insuring will play largely into the cost. Bigger vehicles will cost more than passenger cars. What you are hauling may also play into the cost. You may need special coverage for certain materials, which will increase your rates.

Costs are also influenced by your drivers. You should always do a driver’s record check before hiring an employee to ensure he or she has a good driving record. Accidents or other violations on a driving record will increase your costs. The age of drivers will influence rates, too. Drivers over 30 usually get better rates.

When it comes to commercial auto insurance, you probably will need it if you are using vehicles in your business in any capacity. Commercial insurance generally is more expensive than personal auto insurance because of the increased risks. With a business vehicle, it is being driven by more people with various backgrounds. It is also often being used to haul items. These things add to the risks and costs should the vehicle be in an accident. Overall, it is simply best to get the insurance and just shop around for the best rates.


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