If you're a business owner, you may have auto exposures that need to be covered, just as you have personal auto liability exposures. Commercial Auto Coverage provides liability and physical damage coverage for vehicles a business owns, borrows, rents, leases or hires. You wouldn't dream of driving your personal automobile without insurance.

It's just as important to protect your company vehicles. Even if you have personal auto insurance, you still need commercial auto insurance. That's because vehicles involved in an accident while engaged in company business may not be covered by your personal insurance.

To make matters worse, you could be charged with misrepresentation if you've placed a vehicle you use for commercial purposes under your personal auto policy.

Business owners need the same complete insurance coverage for their business vehicles as they do for personal vehicles, including liability, collision and comprehensive, medical payments and coverage for uninsured motorists. The type of business auto insurance policy you'll need will depend on the kind of driving you do.