Key Differences Between Commercial Auto and Personal Auto Insurance

Why Personal Auto Policies Deny Claims During Work Activities

Many small business owners use personal pickups or vans to haul tools, materials, or crew members. However, standard personal auto insurance policies explicitly exclude accidents occurring during commercial operations.

Comparison: Personal Auto vs Commercial Auto

• Higher Liability Limits: Commercial policies provide higher limits ($500K to $1M+) protecting corporate assets.
• Multiple Employee Drivers: Blanket or named coverage for employees operating business vehicles.
• Trailers & Tools: Specialized endorsements for utility trailers, mounted gear, and toolboxes.

Official Sources & Regulatory Guidelines:

• South Carolina Department of Motor Vehicles (SCDMV)

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