What Is Business Use Auto Insurance?

  1. 220 POINTS
    Stephen Rogers
    Self-employed Employee Benefits Provider, Upland, California
    What is business use auto insurance?  When you ask a company for a quote,  they will ask you how you use your vehicle.  the most common uses are:  to work (commute to an office)  and how far.  Pleasure use (non-working drives to the store and such).  Business use ( drives vehicle in the course of daily business, such as outside salesmen.)  Generally the more frequently you are on the road the more a auto insurance carrier will charge for coverage.
    Answered on January 23, 2014
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  2. 730 POINTS
    Darald Novak AAI
    Retired Agent and Broker, Self Employed, Albany NY USA
    'Business Use' is a rating classification (or used to be) used in rating a personal auto policy. Many personal auto insurance carriers in the past did not allow a 'business use'  classification on a pickup or van so a commercial auto or business auto policy had to be obtained for that vehicle.   With the rating methods used by carriers today, it may be possible to insure a vehicle on a personal auto policy and use it for business purposes.  The agent or broker providing the quote(s) should be able to advise you. If you are purchasing personal auto insurance online, you are acting as your own broker and good luck to you in obtaining the coverage you should have for such a situation.
    Answered on July 25, 2014
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