If you use vehicles for your business, you probably know that commercial auto insurance is important, but you might not fully understand how it works. At Safechoice Insurance Agency, serving the greater Rochester, MN region, we often hear from business owners who are surprised to learn that their assumptions about commercial auto coverage don’t always align with reality.

“My Personal Auto Policy Will Cover Business Use”

This is one of the most common misconceptions. While your personal auto policy might offer limited coverage for occasional business use, it typically won’t cover accidents that occur while making deliveries, transporting equipment, or carrying passengers for a fee. If your vehicle is primarily used for work, you need a commercial policy to ensure you’re fully protected.

“Only Big Companies Need Commercial Auto Insurance”

Many small business owners believe commercial auto coverage is only necessary for large fleets or delivery companies. The truth is, if you’re a contractor driving to job sites, a realtor showing properties, or even a food truck owner, you likely need commercial auto insurance. It’s about how the vehicle is used, not the size of your business.

“All Commercial Policies Are the Same”

Not all commercial auto insurance policies offer the same level of protection. Coverage can vary widely depending on factors such as cargo, employee drivers, and whether your vehicles cross state lines. It’s essential to work with an agency that understands the details and can tailor a policy to your specific needs.

At Safechoice Insurance Agency, proudly serving the greater Rochester, MN area, we help business owners get the proper protection without the guesswork. Contact us today and let’s clear up the confusion around commercial auto coverage, so you can focus on running your business with confidence.