Commercial Auto vs. Personal Auto: When Your Business Needs Both

If you ever use your truck, van, or SUV to make deliveries, haul tools to a job site, transport clients, or visit work locations on a regular basis, your personal auto policy may not respond to a claim. That is the kind of surprise no business owner wants after an accident.

When personal auto is fine

Driving to one fixed office, occasional business errands, and rideshare with the proper endorsement are usually acceptable on a personal policy. Anything beyond that — particularly carrying tools, equipment, or commercial goods — moves you into commercial auto territory.

When you need a commercial auto policy

• Vehicles titled or registered in a business name.
• Trucks and vans with commercial signage, ladder racks, or specialized equipment.
• Employees driving company vehicles.
• Daily use for deliveries, service calls, or transporting goods.

Higher limits, broader coverage

Commercial auto policies typically offer higher liability limits, hired and non-owned auto coverage, and the ability to schedule equipment in the vehicle. Pair that with a general liability policy and, where applicable, workers' compensation, and your business is properly protected.

Talk to a Lantana independent agent

Independent agents who actually shop the market. B & B Insurance Agency has served South Florida from our Lantana office since 1998. We'll find the carrier that fits your life — not the other way around. Talk to an agent.