What Is Commercial Auto Insurance? | Do I Need Business Auto Insurance?

So what is Commercial Auto Insurance? Do I need commercial auto insurance? Who can help me with my commercial auto insurance needs?

Keagan Henson, CEO of BriteBee breaks it down for us.

First, it is important to understand the difference between commercial auto insurance and personal auto insurance…

Commercial vehicle insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy.

So, do you need commercial insurance coverage?

Here are some questions to ask yourself…
1. Who owns and drives the vehicle?
If it is owned by your business or is driven by employees, you want commercial auto insurance!

2. How is your vehicle used?
If you use your vehicle for business purposes, you’ll likely want a commercial auto insurance policy.

3. What is the type and weight of my vehicle?
This information is VERY important. If the vehicle you drive is heavier than your average size pickup truck or SUV, you might require an auto insurance policy.

4. Are you required to have higher liability limits?
If your business requires you to have higher liability limits you are going to want a commercial auto insurance policy.

It’s important to speak with a licensed insurance agent on BriteBee.com and get all the answers to your insurance questions.

Questions? Leave a comment to get your questions answered or speak to an insurance agent in your area at

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