Do you have vehicles that are used for work? Commercial auto insurance is often necessary for businesses that operate or use vehicles as a part of the function of the company, or businesses that use vehicles in their day-to-day work life. It may cover just a single car or a fleet of them. Most commercial policies include both liability and property coverage while meeting any state requirements. Note: In many cases, personal auto policies do not apply when the vehicle is being used for business purposes. For more details, please call one of our licensed agents who would be happy to help with your particular situation.