Hunter NelsonOwner of Nelson Insurance Agency

Commercial Auto Insurance: Why Personal is NOT Enough

25 Mar 2026 · 1 min

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In this brief segment, Hunter Nelson explains that personal auto insurance does not provide coverage for vehicles used in commercial activities. He emphasizes that relying on personal policies for business use leaves drivers unprotected and financially wasteful, as personal auto is not one of the three recognized insurance types for such purposes. Nelson warns that without proper commercial auto insurance, drivers are effectively paying for nothing, and he stresses the necessity of obtaining commercial coverage regardless of cost considerations.

Chapters

Can I use my personal auto insurance? Heck no. Personal insurance will not cover a vehicle in a commercial use. So no, do not do that. Proper insurance. We'll get to proper insurance here a little bit later. But one thing I do want to specify, you cannot use personal auto insurance for your vehicle. There are 3 types of insurance. Personal auto is none of them. I do literally talk to people who are insuring their personal auto. You are paying for absolutely nothing right now. It is cheaper, but you can pay a little more and actually get something, or you can pay less and get nothing, and you're just literally burning money. So you will 100% need commercial insurance no matter what.