Do I need a business auto insurance policy?

Myth: I don’t need a business auto insurance policy

Don’t expect a personal auto insurance policy to cover employees who drive vehicles to conduct business.

Myth:
My personal auto insurance policy will cover myself and my employees who drive vehicles to conduct business.

Fact:
You’ll need to notify your auto insurance agent or company that you use your vehicle for business so that they can extend your policy to cover for business use. They may need to underwrite a special business auto insurance policy. Also, if your car is owned by your company rather than yourself, make sure that the company name is listed as the "principal insured" on the policy.