What's the difference between personal and commercial auto insurance?

Personal auto insurance covers personal use of vehicles, while commercial auto insurance covers vehicles used for business activities, offering higher liability limits and specialized coverages.

The key difference is that personal auto insurance covers individual use, while commercial auto insurance covers vehicles used for business activities. Commercial policies offer higher liability limits and cover risks unique to business operations.

A personal auto policy wouldn’t cover a plumber’s van used for work. Commercial auto insurance ensures the van and business are protected.

Evaluate whether your vehicles are used for personal or business purposes to ensure the correct insurance policy is in place.