When do I need a commercial auto policy?

I do handyman work in my neighborhood on occasion and keep my tools in my truck. Do I need a commercial policy?

Answer provided by
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Shannon Martin
Answered on Apr 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“You sound like a handy person to have around! The type of car insurance policy you may need will depend on a few factors. Every insurance company is slightly different, so check with your insurance agent to see what they recommend.
You should be prepared to tell them what percentage of the time the vehicle is used for business, if you transport customers, how many different job sites you generally visit in a day, and if there are any signs or logos on the vehicle. Depending on the company, this might still be rated as personal auto use, but you may want to consider a business liability policy as well.
You may also want to check your homeowners or renters policy. Your personal property is covered anywhere globally, so this is a great way to make sure your tools are covered. “
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