When do you need commercial vehicle insurance?

Do you really need commercial auto insurance?

Sure, it can be confusing determining when a commercial auto policy is necessary. In general, if a vehicle is used in tasks related to the operator's occupation, profession or business (other than commuting), a commercial policy is necessary.

You May Need A Commercial Policy If:

  • You are using your vehicle to transport goods or people for a fee 
  • You use your vehicle to conduct a service
  • You need higher limits of liability because of the nature of your work
  • You are hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business 
  • Employees operate the vehicle or if ownership is in the name of a corporation or partnership

Many business uses and vehicle types may be excluded from personal policies, so be sure you have the right coverage.

Still not sure? No problem. GEICO can help you determine the coverage you need based on how your vehicles are used in conducting your business and who will be driving your vehicles. Call (866) 509-9444 for more information about GEICO's commercial auto insurance or, if you're ready now, start your free commercial auto insurance rate quote online.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Coverage is underwritten by Government Employees Insurance Company.  In some cases coverage is provided through GEICO Insurance Agency, Inc., either under an arrangement with National Indemnity Company (NICO), a Berkshire Hathaway affiliate, or with non-affiliated insurers.  Some discounts, coverages, payment plans and features are not available in all states. Government Employees Insurance Co. is a subsidiary of Berkshire Hathaway Inc.