Is Commercial Car Insurance More Expensive? 
Commercial policies are generally more expensive than personal auto policies and that is directly related to the business risk involved . How much more more depends on the type of use for the vehicle and how many drivers will be driving that vehicle ? If it is a fleet situation , having a driver 's list with experienced drivers with good driving records will significantly control the costs . If your business does n't have business vehicles , but your employees do your business in their cars , you have a substantial risk of being sued if there is an accident while the employee is driving doing business for you . That is called , hired and non-owned auto . Your business liability insurance can include this exposure for an additional premium . 