Yes, if you use vehicles for business purposes, you typically need a commercial auto insurance policy. Here's why:
Vehicles used for business often face different risks compared to personal vehicles.
Commercial auto insurance can offer higher liability limits suitable for business needs, protecting the company's assets in case of a significant claim.
Commercial policies often offer additional coverage options tailored to business needs, such as coverage for equipment, rental replacement vehicles, or coverage for employees driving their own vehicles for business purposes