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

Updated: March 2017

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:

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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.

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