If your company owns a vehicle, you need a commercial auto policy to cover that vehicle.
Additionally, if you or any of your employees drive a personal vehicle for business purposes, including making deliveries, transporting clients or customers, or traveling to meetings or job sites, you may need a commercial policy. This is because personal auto insurance policies typically exclude coverage for business use.
It’s important to note that the requirements for commercial auto insurance can vary depending on the state you are in and the type of business you have. It’s always a good idea to check with your insurance provider and make sure you have the appropriate coverage for your business.