Can You Insure a Personal Vehicle Under a Commercial Policy?

Personal auto insurance is designed for everyday driving; commuting, running errands and personal travel. It typically excludes coverage for business activities beyond minor incidental use. Commercial auto insurance is built for vehicles used during business activities. This includes transporting goods, visiting clients or carrying equipment.

When Is a Commercial Policy Appropriate for a Personal Vehicle?

In California, you may need a commercial auto policy for your personal vehicle if you:

• Regularly use your car for business deliveries, transporting clients, or business-related travel
• Have employees who drive your vehicle for work purposes
• Use your vehicle to carry tools, equipment, or products for your business
• Operate as a rideshare or delivery driver (though specialized policies may apply)

If your personal vehicle is primarily used for business, a commercial policy can provide broader liability protection and higher coverage limits than a standard personal policy. It may also be required by California law and your business contracts.

Choosing the Right Coverage

Our team at Atwood Agency (DBA ISU Insurance Services) can help you evaluate how you use your vehicle and determine whether a personal or commercial policy is the best fit. We’ll guide you through California insurance laws and ensure you have the right coverage for your needs.

Have questions about insuring your personal vehicle for business use? Contact us today to discuss your options and get personalized advice.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.