Commercial auto insurance covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.

Driving is illegal without insurance. If your personal policy includes commercial driving, so when you drive for business, you will be uninsured, which means you can face substantial fines or other penalties.


Driving without insurance is also a poor business choice. You'll need to repair it yourself if you wreck an uninsured car, which cuts into the bottom line of your business.