Understanding why auto insurance is generally important does not constitute rocket science. However, many contractors believe that requiring their employees to carry their own auto insurance is enough to protect them in times of liability. This may not be true. Certain types of car usage —even with personal vehicles — are not covered under a normal policy.
Commercial auto insurance is more expensive than personal. However, if you are using vehicles specifically for business purposes, you may need to have this kind of coverage. Here are some things to look for when determining if a more robust insurance policy is right for you.