Insights and Updates on Business Insurance

Why Small Businesses Should Choose Commercial Auto Insurance Over Personal Auto Policies Brought to you by TWIG Insurance Group If you’re a small business owner using a vehicle for work, you might be wondering: Can I just keep it on my personal auto policy? It’s a common question—and a risky assumption. Whether you’re a contractor driving a pickup to job sites, a mobile notary making client visits, or you’re running deliveries in a company-branded van, using your personal auto insurance could leave you exposed. Here’s why choosing commercial auto insurance is the smarter (and safer) move: 1. Personal Auto Insurance Excludes Business Use Most personal auto insurance policies are designed for everyday commuting, errands, and personal travel. Once you start using your vehicle for business purposes—especially if you're transporting tools, equipment, employees, or clients—you're operating outside your policy’s intended use. If you get into an accident while working, your personal insurer may deny the claim , leaving you to cover damages out of pocket. 2. Commercial Coverage Offers Higher Limits Business vehicles often face greater risks than personal ones—more time on the road, unfamiliar routes, and more liability exposure if your vehicle is branded or used to transport goods or clients. Commercial auto policies offer higher liability limits , better suited to the risks small businesses face. 3. Protects Your Business Assets If you or an employee causes an accident while driving for work, your business could be sued. Without commercial auto coverage, you’re not only risking your vehicle—you could be putting your entire business and personal assets on the line. Commercial auto insurance helps protect: Your business property Your business income Your reputation 4. Covers Employees and Multiple Drivers Hiring employees to drive for your business? Personal auto policies generally don’t extend coverage to non-listed drivers or employees. Commercial policies are designed to cover any authorized driver , making sure your team is protected and your policy stays valid. 5. Meets Legal and Contract Requirements Many states and commercial contracts require businesses to carry commercial auto insurance—especially if you: Operate under a business name Lease or finance vehicles through the business Carry goods or passengers for a fee Without the right coverage, you may not be in compliance and could face penalties or lose out on contract opportunities. Bottom Line: Business Use Requires Business Coverage As a small business owner, you’ve got enough on your plate—don’t let a car accident turn into a financial disaster. A commercial auto policy is an affordable way to protect your livelihood, your employees, and your future. Let’s Make Sure You’re Properly Covered At TWIG Insurance Group , we specialize in protecting small businesses just like yours. Whether you're driving one service van or managing a small fleet, we’ll help you find the right policy for your needs and budget. 📞 Call Joe Hickey at 937-200-8944 📧 Email: joe@twiginsurance.com 🌐 Visit: www.twiginsurance.com Let’s put the right coverage in place before you need it.