You’re a Sole Proprietor—Do You Need Commercial Auto Insurance?
The distinction between personal and commercial vehicles is clear for many businesses: the company either owns the vehicle or does not. However, the situation can be more complicated for sole proprietorships or independent contractors. If you own a pass-through business, then the lines between your personal life and commercial life may be somewhat blurrier. In general, there’s a clear cut-off if you own a vehicle or multiple vehicles you use solely for business purposes or if you have a vehicle primarily driven by employees.