new car insurance

Who Needs to Get Commercial Auto Insurance?

Small businesses need insurance to help keep them protected against unforeseen accidents. One important type of commercial insurance is commercial auto insurance. But what types of businesses need it? If you use a vehicle for work or your business operates vehicles, then you need commercial auto insurance.


Similar to a personal auto insurance policy, commercial auto insurance helps protect businesses and business owners if an accident occurs with company vehicle. This type of insurance isn’t just for 18-wheeler trucks. It can help protect:

  • Cars
  • SUVs
  • Pickup trucks
  • Utility Vans
  • Flatbeds
  • Or any other vehicle you may use for your business


Sometimes it might be confusing whether or not your personal auto insurance is enough or if you need a commercial policy. These are some questions to consider:

  • Is the vehicle for personal use or is it sometimes used for business?
  • Is the vehicle registered under your name or the business’s?
  • Does anyone else from your business ever drive your vehicle?
  • Do you transport items related to your business’s operation in your vehicle, especially equipment?

If you are still unsure whether or not you need a commercial policy, then you should call your insurance agent to discuss your situation. They can help sort out any confusion you may have. They are the best resource for choosing a plan to help protect your business.


If you or anyone in your business is using a vehicle to transport items, deliver things, driving people to and from different locations, or simply running errands, then you need commercial auto insurance. It can help protect you if someone happens to get into an accident while driving in a company vehicle, or if someone else’s car gets damaged. Without having a proper commercial auto policy in place, you could find yourself facing a lot of financial stress. Many states require businesses with vehicles to get commercial auto insurance. At the end of the day, it’s best to do what you can to help keep your business, your employees, and yourself safe.

If you are ever unsure whether or not you need commercial auto insurance, call up your commercial lines agent. They can help assess your needs and assist you in getting the right coverage for your business. You can also click here to read about the basics of commercial auto insurance.


If you need commercial auto insurance, or any questions or concerns addressed about business insurance, you can call Encharter at (888) 754-8299 and speak to a commercial lines agent. They are here to help you!

commercial auto insurance

Additional resources:

Read More