COMMERCIAL AUTO INSURANCE
If you have a small home-based catering business that requires you to make deliveries in the family minivan, your personal auto insurance might not stand up to scrutiny if the time ever came to file a claim. With this in mind, self-employed individuals and small-business owners may want to consider purchasing commercial auto insurance that provides real protection. Because businesses have many concerns that private individuals do not have, commercial and personal auto insurance differ in their extent and purpose of coverage. Along with having higher liability limits, commercial auto insurance also includes coverage such as “any auto liability” (which extends liability coverage you have on existing commercial vehicles to any new vehicles that are purchased).
NOTE: You may need commercial auto insurance if any employees or non-listed drivers drive any of your vehicles on a regular or occasional basis.