As a business owner, you need the same kinds of insurance coverage for commercial vehicles that you do for personal use: liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. This include non-commercial vehicles being used for business. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. Our team will work with you to understand how you use vehicles in your business, who will be driving them and whether employees are likely to be driving their own cars for your business. While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects.