Month: September 2025

Small business owners and entrepreneurs in Doylestown, PA, may need to purchase commercial auto insurance for a personal car, primarily if the car is used for both personal and business purposes. While both policy types offer similar basic coverage, having the proper form of insurance can make the difference between receiving compensation and having your claim denied after an accident.

Key Differences Between Personal and Commercial Auto Insurance

Both basic personal and commercial auto insurance policies provide liability coverage for bodily injury and property damage. However, commercial auto insurance typically offers higher liability limits than a personal auto insurance policy. Additionally, with commercial insurance, you can add your employees to the policy, ensuring your vehicle is covered even when someone else is driving.

Commercial auto insurance also includes options that are not available with personal policies. For example, if you use multiple vehicles for your business, you can purchase fleet insurance instead of separate auto insurance policies for each car. If you rent a vehicle for business use, you can opt for non-owned auto insurance to ensure coverage.

When to Buy Commercial Auto Insurance

Commercial auto insurance is necessary if you use your vehicle for any work-related purpose. This includes driving to meet clients, transporting goods to and from markets or expos, and even part-time rideshare or delivery driving. A commercial policy is also essential if a full- or part-time employee needs to drive your vehicle.

Need a Policy? Call Bucksmont Insurance to Explore Your Options

Bucksmont Insurance serves entrepreneurs and business owners in and around Doylestown, PA, offering a range of commercial insurance policy options to meet the diverse needs of various business types and industries. Contact us today to learn more about your auto insurance options or to request price quotes.