Businesses that provide a delivery service, transportation service or vehicles for their employees to do their jobs (e.g., mail delivery, pest control, cable installation) must purchase commercial auto insurance for their business-owned vehicles. A standard business insurance policy does not cover vehicles or drivers, unless this coverage is specifically added to your policy. 
What is Covered Under Commercial Auto Insurance?
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Bodily injury
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Property damage
As a business owner, it’s smart to carry a commercial auto insurance policy with an assortment of coverage options to protect your vehicles and employees from the hazards of the road. While no one wants to pay for more coverage than is necessary, you should always ensure that your coverage does meet your needs.
Who is Covered Under the Auto Insurance Policy?
The insured, which is the business in most cases, has the most coverage. This includes the vehicles you have chosen to insure, such as:
The coverage you require will depend on how many employees will be driving company cars, how frequently they drive and other factors. Your independent insurance agent can help you determine the right policy for your business’ needs.
Employees Covered as Permissive Drivers
The majority of permissive drivers are employees who drive company-owned vehicles. These employees are covered while driving vehicles you own, borrow or hire. If you rent a car for business purposes and your name is the only one on the lease, any other employee who drives the car may not be covered. When renting vehicles, you must list everyone who may drive the vehicle while it is in your possession.
Running a business often requires more than one type of business insurance coverage. As long as you plan ahead, you can rest assured that your daily business operations are protected.