​If your business depends on vehicles—whether it’s a single delivery van, a fleet of trucks, or even personal cars used for company errands—then commercial auto insurance isn’t just a good idea, it’s a necessity. One accident, theft, or breakdown can stall operations, strain finances, and put your reputation at risk. That’s why it’s critical to ensure your business vehicles are insured the right way.

​Business drivers may be at a larger risk than personal drivers since they are more likely to be involved in workplace accidents. Consequently, it necessitates additional protection from their employers through professional liability insurance.

Almost every state requires personal auto insurance. However, your policy may not cover losses caused by incidents when you or your employees use your vehicle for work. Most states require small business owners to insure their company-owned vehicles with commercial auto insurance.