Whether your business owns one car or a fleet of vehicles, automobile insurance protects your business for damage caused to other people or property by your vehicle, as well as damage to your own. If the vehicles are damaged in an accident or stolen, the business has to repair or replace them. If there is an accident and the business is at fault, the business may be subject to large claims from people injured in the accident. A business auto insurance policy helps to cover both property and liability risks that businesses face because of the ownership or use of autos and trucks.

In most cases, home-based business owners can be covered by their personal auto insurance policy. However, depending on your particular use of your car, you may need to purchase higher coverage limits to protect yourself and your business. In other cases, particularly if you are transporting people for any reason in the conduct of your business, you should consider a home-based business auto policy.