Commercial Vehicle Insurance


If you have cars, trucks, vans, or other vehicles on the road that are being used for business purposes you may need commercial vehicle insurance. It doesn’t matter whether you have a fleet of cars and/or trucks, a few, or just one, be sure that they are properly covered. A personal auto insurance policy may not provide adequate coverage. Commercial vehicle insurance covers for business situations that a personal auto policy doesn’t. Commercial car insurance, commercial auto, truck insurance, and/or fleet insurance, are all other ways of referring to commercial vehicle insurance.

Do You Need It?

Determine if you need commercial vehicle insurance by answering the following questions:

  • Is your vehicle used for reasons related to your occupation?
  • Is your vehicle used for reasons related to your profession?
  • Is your vehicle used for reasons related to your business?
  • Is your vehicle only used for commuting to and from work?

If you answered yes to any of the first three questions then you likely need a commercial vehicle policy.

You Need A Commercial Vehicle Policy If…

Because personal auto policies may exclude certain vehicle types and certain businesses from coverage you may need commercial coverage instead. Here are some reasons you may need a commercial policy:

  • Your vehicle is used to provide a service
  • You charge a fee to transport people or goods with your vehicle
  • You load or unload items from your vehicle as part of your business operation
  • You tow a trailer for business purposes with your vehicle
  • You haul a considerable number of, or a considerable weight in equipment or tools with your vehicle
  • A partnership or corporation owns the vehicle
  • Employees operate the vehicle
  • The nature of your work requires higher liability limits on your vehicle

If you are still unsure whether or not you need commercial vehicle policy coverage, contact your insurance agent to help determine your auto needs.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets. To learn more, or to get a free quotecall our Carrollton, TX office today at 972-492-8500.