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When do I need a commercial auto policy?
I do handyman work in my neighborhood on occasion and keep my tools in my truck. Do I need a commercial policy?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You sound like a handy person to have around! The type of
car insurance
policy you may need will depend on a few factors. Every insurance company is slightly different, so check with your insurance agent to see what they recommend. You should be prepared to tell them what percentage of the time the vehicle is used for business, if you transport customers, how many different job sites you generally visit in a day, and if there are any signs or logos on the vehicle. Depending on the company, this might still be rated as personal auto use, but you may want to consider a business liability policy as well.
You may also want to check your homeowners or renters policy. Your personal property is covered anywhere globally, so this is a great way to make sure your tools are covered. “
View full answer
- Gregory R.
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