There is a difference between insuring a vehicle for personal use and business use.
If you use your own personal car, truck or van for business purposes, you need to discuss the best way to insure this vehicle with your agent. We'll ask several questions about the usage, what percentage of the time is business vs. personal, radius of driving distance, other potential drivers and how it is registered. Often, a 'business use' private passenger vehicle can be insured under a personal auto policy. However, that is not always the case and never with true commercial vehicles (such as semis, dump trucks, vehicles over 10,000 gvw, etc.).
If your private passenger auto, truck or van is considered a commercial vehicle, you have most of the options for coverage as you would have for your personal auto plus other options designed for the commercial risk. You would, of course, have bodily injury and property damage liability and coverage is usually available up to $1,000,000. You also have the option for medical payments coverage, uninsured/underinsured motorists coverage and physical damage coverage for the vehicle itself.
If you register your vehicle under a company name, it must be insured under a commercial auto policy.
Commercial vehicles may require filings only available on commercial auto policies; you may need non-owned and hired coverage, and a variety of coverages specifically designed for commercial vehicles.
We are here to help you "walk" through the many coverage options available for either your 'business use' personal vehicle or a true commercial vehicle owned by your company.