Commercial and personal auto insurance are two different types of insurance that cover different events. Commercial auto insurance is only available for vehicles used for work purposes. Personal auto insurance is for when you’re driving your car for personal reasons.
Most personal auto insurance policies have exclusions, which means they may not cover your vehicle for business use or only offer minimal coverage for business use. Likewise, your commercial auto insurance wouldn’t cover loss or damage caused when using a business vehicle for personal use. That’s why you need both.
You may think that you can get away with just having personal insurance but just think of the problem you may have if you are in an accident with your van with your advertising plastered all over the sides of the vehicle. Just imagine the claims adjuster’s response when they get the pictures. It’s just not worth the risk. Just recently a food delivery driver was car jacked while making a delivery. The car was found totaled and the driver’s personal auto coverage denied the claim as the vehicle was being used for income producing purposes.