As a business owner, you need some of the same insurance coverages for the cars, trucks, vans, or other vehicles you use in your business as you do for vehicles used for personal travel.

Your Business Owners Policy (BOP) does not provide any coverage for vehicles, so you must have a separate policy.

Most states require you to purchase liability insurance for bodily injury and property damage that may result from a vehicle accident occurring while you or someone from your organization is driving on business. Many states also require you to have uninsured/underinsured motorists coverage and/or medical payments coverage (known as Personal Injury Protection (PIP) in some states). You can also purchase physical damage coverage for vehicles your business owns, leases or hires.

The Business Auto Coverage Form (BACF) is the most commonly used contract for providing business auto liability insurance.  Although the form refers only to autos, autos are defined to include cars, trucks, trailers, vans, or other vehicles designed for use on public roads.

Each vehicle you use in your business can be separately scheduled, or listed on your policy along with corresponding coverages. In other words, you can choose different coverages, for your various vehicles, depending on the vehicle's characteristics and the coverage you need for it.