When Is Commercial Auto Insurance Required?

  1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    That may vary by state in some circumstances. In CT for example the Gross Vehicle Weight of your truck may determine if commercial insurance will be required by the state. Additionally, if you are registering your vehcle in the name of your business, commercial insurance will be required. The bottom line is if you are buying and using a vehicle specifically for your business use, it is a good idea to insure it commercially.
    Answered on December 31, 2014
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A commercial auto policy would be needed whenever you have an exposure from a business. Where this first rears its head is when you son borrows your car and starts to deliver Pizza. That is a commercial risk and that activity is probably excluded from your personal lines auto policy. Commercial auto anticipates multiple drivers, higher mileage and assorted similar concerns.
    Answered on February 20, 2015
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