Can I use my personal auto policy for work?

Sometimes, for light business use, but personal policies often exclude or limit vehicles used mainly for business, titled to a business, or carrying goods for pay. A licensed agent can read your personal policy's business-use wording with you.

Does commercial auto cover the tools in my truck?

Usually not. Tools and equipment are commonly covered by an inland marine or contractor's equipment policy instead.

What is hired and non-owned auto coverage?

Liability coverage for vehicles your business rents or borrows and for employees' own cars used on business errands. It is often added to a general liability policy or BOP when a business has no owned vehicles.

Coverage guide

Commercial auto insurance

Commercial auto covers liability and physical damage for vehicles your business owns, leases, or uses. A personal auto policy may exclude or limit vehicles used mainly for business, titled to a company, or carrying tools, materials, or paying cargo, which is why vehicle use is one of the most common items to review.

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What commercial auto commonly covers

Who usually carries it

Businesses with vehicles titled to the company
Contractors who haul tools, materials, or equipment trailers
Businesses whose employees drive their own vehicles for work errands
Delivery, service, and transport operations

Commonly covered

Liability for injuries and damage your vehicles cause to others
Collision and comprehensive (physical damage) for scheduled vehicles
Uninsured and underinsured motorist coverage
Medical payments for occupants, where selected
Hired and non-owned auto liability, when added, for rented vehicles and employees' own cars

Commonly excluded or limited

Tools and equipment carried in the vehicle (usually inland marine)
Cargo owned by others (usually motor truck cargo)
Drivers who are excluded by name on the policy
Vehicles not listed on the schedule, unless the policy covers any auto
Mechanical breakdown and wear

This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your business, talk with a licensed insurance agent.

Before your renewal or your next contract

What to check on your own policy

Every vehicle and trailer on the schedule, with vehicles you sold removed
The liability limit compared with what customers and contracts require
Which symbols apply (for example, scheduled autos only or any auto)
Hired and non-owned auto coverage if employees drive their own vehicles
Listed drivers, and anyone excluded
Deductibles and whether older vehicles still need physical damage coverage

Not sure what your policy says?

Upload your declarations page. The free AI coverage check lists your coverages, limits, and deductibles in plain language and flags items to discuss with a licensed agent.

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Industries that often ask about commercial auto

Commercial auto questions

Know what you're covered for before you need it.

Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.