Commercial or business insurance is insurance for your company vehicle or vehicles. Any transportation that’s used for business use can be considered for commercial insurance.
Consulting services that require driving to locations, door-to-door sales, newspaper delivery, catering, landscaping and construction, private snowplowing, day care transportation, real estate services, church vans, towing trailers like equestrian or equipment, and other like services.
Most commercial policies allow you have higher liability limits than a personal policy. Commercial policies take into account the higher average of mileage you have when doing business. You can also list any employees as needed that may need to drive your vehicle or rented vehicles. Plus, they will allow for towing trailers, and hiring or renting other vehicles when you need them.