Does my personal policy cover commercial use?

Commercial use may fall outside a personal policy. It depends on the activity, the vehicle, and the insurance company's criteria.

Can I include trailers or cargo?

Depending on the policy and the insurance company, it may be possible to include trailers or cargo-related coverage. We review it with you.

Commercial auto insurance

We review alternatives for the vehicles you use to run your business and explain what a commercial policy may include.

Request a quote

Who it may be useful for

Businesses with vehicles used in their operations.
Independent workers who use their vehicle for commercial activities.
Companies with small fleets or delivery vehicles.

Coverages a policy may include

Commercial liability.
PIP, when applicable.
Physical damage to the vehicle.
Comprehensive.
UM/UIM, when applicable.
Hired or non-owned vehicles.
Cargo.
Trailers.

Subject to terms, limits, exclusions, deductibles, and availability according to the policy and the insurance company.

Factors that may affect options, limits, and price

Commercial use and radius of operation.
Vehicle type and weight.
Business activity and time in operation.
Drivers' driving history.
Required limits and the insurance company's criteria.

Frequently asked questions

Does my personal policy cover commercial use?: Commercial use may fall outside a personal policy. It depends on the activity, the vehicle, and the insurance company's criteria.
Can I include trailers or cargo?: Depending on the policy and the insurance company, it may be possible to include trailers or cargo-related coverage. We review it with you.

Request a quote

Complete the form and a bilingual representative will review your request. You can submit it without authorizing text messages.

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Submitting this request does not create, activate, or modify insurance coverage.

The information presented is general and does not constitute an offer, a recommendation, or a confirmation of coverage. MPF Insurance acts as an insurance agency, not as an insurance company. Eligibility, availability, price, limits, exclusions, and deductibles are subject to the insurance company's review, policy conditions, and applicable law. Submitting a form, speaking with an agent, or receiving a quote does not activate or modify coverage.

Product availability depends on location, the insurance company, and applicable requirements.