A Personal Auto policy is designed primarily for personal vehicle use.
A vehicle should be properly insured as commercial when the ownership or use requires commercial coverage.
Examples may include vehicles:
- Titled to a corporation or LLC
- Used by employees
- Carrying tools or equipment
- Making service calls
- Traveling between jobsites
- Used for deliveries
- Used for business operations
- Used regularly for commercial purposes
Do not assume a Personal Auto policy will properly cover a vehicle used for business.
Always tell the insurance company how the vehicle is actually used.