If you're a small business and you don't own a fleet of vehicles with your company's logo emblazoned on the side and you don't have a crew of drivers working for you, it may not be easy to determine if commercial auto insurance is necessary for you or not.

If you’re a landscaper or contractor whose services include plowing snow and clearing driveways, retail parking lots, or apartment building parking lots, in addition to your regular contracting operations, having snow plow liability insurance – is absolutely vital.

Often churches and religious institutions have different modes of transportation such as a church bus or van. If your vehicle(s) carry or transport members, staff, students, volunteers etc., you face a high potential for loss and injury, and you will want the correct auto insurance. Your carrier will want to know if the vehicles are used for the transport of people or will simply be used to pick up and transfer supplies.