Commercial Auto Insurance
Does My LLC Need Its Own Commercial Auto Policy?
Yes — vehicles titled to or regularly used by your LLC should be covered under a commercial auto policy in the LLC’s name.
Does my LLC need its own auto insurance policy?
One of the main benefits of operating as an LLC is liability protection — but that protection breaks down if your vehicle coverage isn’t properly structured. Vehicles used for LLC business should be insured under the LLC, not under a personal policy.
If a vehicle titled to your LLC is involved in an accident while on personal auto insurance, the LLC’s liability protection may not apply — and your personal assets could be exposed.
A commercial auto policy names the LLC as the insured, aligning your legal business structure with your insurance protection.
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