When do you need commercial vehicle insurance?

Determine if you need commercial vehicle insurance.

Wondering if you need commercial auto insurance? In general, if a vehicle is used in tasks related to the operator's occupation, profession, or business (other than commuting), a commercial policy is necessary. It's easy to get confused, so just answer a few questions below to help identify which commercial auto insurance policy works best for you.

What type of vehicle are you looking to insure?
Who owns the vehicle? (Ownership is often indicated by the name or entity on the registration)
Who drives the vehicle?
How do you use the vehicle?
Do you need any special coverages?

Commercial Auto Policy

Larger vehicles like dump trucks, cargo vans, and vehicles weighing over 15,000 pounds typically require you to have a commercial auto policy.

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Commercial Auto Policy

If your vehicle is owned by a business entity it will probably require a commercial auto policy.

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Commercial Auto Policy

Typically if a vehicle is driven by employees, co-workers, volunteers, clients, etc., you will need a commercial auto policy.

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Commercial Auto Policy

If a person uses the vehicle performing job functions such as transporting goods, people for a fee, conducting a service, or traveling to multiple job sites per day this usually requires a commercial auto policy.

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Commercial Auto Policy

Many businesses need coverage that would exceed that of a personal auto policy. Whether it's for contract requirements, hired car coverage, motor carrier, etc., you'll want to ensure that you have the coverage you need. In these cases a commercial auto policy could be right for you.

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Personal Auto Insurance Policy

It looks like a personal auto policy may be the best fit for you.

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You May Need a Commercial Auto Insurance Policy If You:

  • Transport goods or people for a fee in your vehicle
  • Conduct a service with your vehicle
  • Need higher limits of liability because of the nature of your work
  • Haul a considerable weight in tools or equipment or towing a trailer used to conduct your business in your vehicle
  • Employees operate the vehicle or if ownership is in the name of a corporation or partnership

Many business uses and vehicle types may be excluded from personal policies, so be sure you have the right coverage. Visit our helpful guide to get more information on commercial auto insurance policies.

Still not sure if you need a commercial auto insurance policy? No problem. GEICO can help you determine the coverage you need based on how your vehicles are used in conducting your business and who will be driving your vehicles. Call (866) 509-9444 for more information about GEICO's Commercial Auto Insurance or, if you're ready now, start your free commercial auto insurance rate quote online.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Coverage is underwritten by Government Employees Insurance Company. In some cases coverage is provided through GEICO Insurance Agency, LLC, either under an arrangement with National Indemnity Company (NICO), a Berkshire Hathaway affiliate, or with non-affiliated insurers. Some discounts, coverages, payment plans and features are not available in all states. Government Employees Insurance Company is a subsidiary of Berkshire Hathaway Inc.