Can you include a business vehicle under a Personal Auto Policy?

Including a business vehicle under a Personal Auto Policy is typically not permissible because personal auto policies are designed specifically for personal use vehicles and do not cover vehicles used for business purposes. This distinction is crucial because business vehicles often have different risks, usage patterns, and coverage needs that a standard personal policy does not address.

A commercial auto policy is tailored to provide coverage for vehicles used in business activities, offering protections suited for business-related liabilities, equipment, transportation of goods, and employee coverage that a personal policy would not cover. Therefore, opting for a commercial auto policy ensures that the business vehicle is properly insured against risks associated with its use for commercial activities.

While some might think that personal auto policies could cover business vehicles under certain conditions, this is generally not the case and may lead to significant gaps in coverage. Hence, the best practice is to secure a commercial auto policy for any vehicle primarily used for business-related tasks.