Do you use vehicles for your business? Then you probably need commercial auto insurance. Here are some things to consider.

• Who owns and drives the vehicle? If it’s owned by your business and/or employees drive it, you'll need a commercial auto insurance policy. If you're a sole proprietor (and the sole driver), a personal auto insurance policy may be enough.
• How is the vehicle used? If you use it for business purposes, you'll probably need a commercial auto insurance policy. If you're a sole proprietor who only travels one or two job sites a day, or just uses the vehicle for commuting, a personal auto insurance policy will likely work.
• What is the type and weight of the vehicle? If the vehicle you drive is heavier than a normal size pickup or SUV, like a dump truck, tow truck, semi or commercial trailer, you’ll likely need a commercial auto insurance policy. Heavy-duty vehicles can cause more damage if they're involved in an accident and may require special insurance coverages.
• What are your required business liability limits? If your business vehicle requires higher liability limits, you’ll probably need a commercial auto insurance policy. Commercial auto insurance policies typically offer higher limits than personal auto insurance policies.