Personal auto policies exclude most business use, such as carrying tools and materials for clients, making deliveries or having employees drive. Business vehicles need commercial auto insurance, with liability limits that often must meet client or contract requirements.
Trucks and heavier vehicles bring more rules: in Ontario, commercial motor vehicles over 4,500 kg generally need a CVOR certificate, and cargo coverage protects goods you carry. Small fleets benefit from one policy with all drivers and vehicles listed.
