Commercial vehicle insurance is needed if any vehicles are used for your business and your employees or passengers in your vehicle.

A business vehicle policy usually provides coverage such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage. The difference between a commercial auto policy and your personal auto policy may include eligibility, definitions, coverages, exclusions, and limits. However, determining the amount of coverage you need depends on the type of business you operate.

Coverages

• Bodily injury liability coverage
• Property damage liability coverage
• Combines single limit (CSL)
• Medical payments, no-fault or personal injury coverage
• Uninsured motorist coverage
• Comprehensive physical damamge coverage
• Collision coverage