MENU Home > Browse the GEICO Insurance Information Center > Insurance Options For Your Coverage Needs > What is commercial auto insurance for businesses? When do you need commercial vehicle insurance? Determine if you need commercial vehicle insurance. Wondering if you need commercial auto insurance? In general, if a vehicle is used in tasks related to the operator's occupation, profession, or business (other than commuting), a commercial policy is necessary. It's easy to get confused, so just answer a few questions below to help identify which commercial auto insurance policy works best for you. What type of vehicle are you looking to insure? Sedan SUV or Light Pickup Truck Minivan or Passenger Vehicle Seating 10 or Less Dump Truck, Box Truck, Cargo Van, Tow Truck, etc. Large Truck Over 15,000 Pounds You May Need a Commercial Auto Insurance Policy If You: Transport goods or people for a fee in your vehicle Conduct a service with your vehicle Need higher limits of liability because of the nature of your work Haul a considerable weight in tools or equipment or towing a trailer used to conduct your business in your vehicle Employees operate the vehicle or if ownership is in the name of a corporation or partnership Many business uses and vehicle types may be excluded from personal policies, so be sure you have the right coverage. Visit our helpful guide to get more information on commercial auto insurance policies. Still not sure if you need a commercial auto insurance policy? No problem. GEICO can help you determine the coverage you need based on how your vehicles are used in conducting your business and who will be driving your vehicles. Call (866) 509-9444 for more information about GEICO's Commercial Auto Insurance or, if you're ready now, start your free commercial auto insurance rate quote online. Please note: The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages. Coverage is underwritten by Government Employees Insurance Company. In some cases coverage is provided through GEICO Insurance Agency, LLC, either under an arrangement with National Indemnity Company (NICO), a Berkshire Hathaway affiliate, or with non-affiliated insurers. Some discounts, coverages, payment plans and features are not available in all states. Government Employees Insurance Company is a subsidiary of Berkshire Hathaway Inc. Contact Us We're here for you 24 hours a day, 7 days a week. The quickest way to contact us is through our app or online. You can also ring us by phone. Learn More Get a Commercial Auto Quote Manage your Commercial Auto Policy Report a Claim Make a Commercial Auto Payment Auto Safety Claims Process About Commercial Insurance Insurance Terms PRIVACY NOTICE & PERSONAL DATA REQUEST LEGAL & SECURITY CAREERS CONTACT US ACCESSIBILITY SITE MAP ESPAÑOL GEICO © 1996-2021