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Key Differences Between Commercial Auto and Personal Auto Insurance
Published on January 5, 2025 by Smart Shield 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:
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