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Commercial Auto coverage is needed if you or your employees use their vehicles in their work. Many small business owners believe that if their car is in their personal name then commercial insurance is not necessary and their personal auto policy will cover the auto. This is not true.
Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes. Business auto policies can provide a combination of liability protection and physical damage coverage for loss due to damage to vehicles owned, leased, maintained, hired, or used by you.
Drive Other Car coverage (DOC) may be added for all officers and key personnel driving a company furnished vehicle on a regular basis.