When Do I Need Commercial Auto Insurance? 
This is just to help flesh out the above answer . The two basic thresholds for getting a commercial auto policy . 1 . You have a type of legal business entity in place -LRB- e.g. Corporation , S-Corp , Partnership , LLC -RRB- and you want there to be a company car ; OR 2 . You are doing business as an individual and you have five or more automobiles associated with the business . While that is easy , it gets more difficult if you do not own the company , but are merely and employee or agent and you are using your personal automobile for business purposes . The business will have to add an endorsement to its Commercial Auto Policy to cover other owned vehicles , so you have coverage . However , the limits associated with liability on your companies Auto Policy might not be high enough to cover you in a serious accident . Here is where you will have to coordinate your personal auto liability coverage with your companies liability in order to make sure you are adequately covered . Hope this helps . 