Checklist: Personal or Business Auto Coverage: Which Do You Need?

Published: February 2014

As your company grows, it can be tricky to know if you need business auto insurance or if your personal auto policy will suffice. According to a 2013 report from the U.S. Department of Transportation, the cost of commercial motor vehicle crashes exceeded $87 billion in 2011, the most recent year for which figures are available. This underscores how important it is to have the right coverage.

A business owner standing next to his vehicle.

Personal auto insurance policies typically exclude many business uses. A commercial policy may be necessary if you use your vehicle for business purposes other than commuting to work. Use this checklist to help determine which type of policy fits your needs:

Click here to download the checklist.

It's important to prepare for a worst-case scenario when assessing your company's ability to survive an unexpected event on the road. Legal awards can be quite large, and commercial vehicle insurance may help protect your assets if a third-party sues your business.

Review your policy with your insurance agent and confirm the answers to the questions above. Making small adjustments to your coverage could help avoid headaches down the road.

Contact your local insurance agent, call Allstate 888-322-3070 or click here to learn more.

Related Resources:

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2014 Allstate Insurance Company, Northbrook, IL.

Get A Quote

Your location is set for:

Ashburn, VA 20146 Edit

Retrieve a saved quote

Agents Near 20146

  • Wendy Moore
    Wendy Moore
    44075 Pipeline Plz Ste 305
    Ashburn, VA 20147
  • Donald Kraper
    Donald Kraper
    1301 Moran Rd Ste 101
    Sterling, VA 20166
  • Ormsby Insurance Group
    Ormsby Insurance Group
    44110 Ashbrn Shpg Plz Unit 216
    Ashburn, VA 20147
  • Malan Chakravarthi
    Malan Chakravarthi
    20609 Gordon Park Sq Ste 130
    Ashburn, VA 20147
  • Marvalee Lord
    Marvalee Lord
    22636 Glenn Dr Ste 205
    Sterling, VA 20164
Agent finder map
ECC Monitor: OK