Insuring Personal Vehicles for Commercial Use 

Using your personal vehicle for business purposes is increasingly common in California, especially among self-employed professionals, gig workers, and small business owners. Whether you’re delivering goods, transporting clients, or driving for a rideshare service, it’s important to understand how business use can affect your auto insurance and what steps you may need to take to stay protected.

Understanding the Risks of Business Use

Many drivers assume their personal auto insurance will cover any situation, but most standard policies exclude or limit coverage when a vehicle is used for commercial purposes. If you’re involved in an accident while using your car for business, you could face denied claims, unexpected expenses, or even policy cancellation.

Common scenarios that may require special coverage include:

• Delivering products or supplies for your business
• Driving clients or employees to meetings or job sites
• Using your vehicle for rideshare or delivery apps
• Regularly transporting tools or equipment

Insurance Options for California Drivers

To address these risks, consider the following coverage options:

• Commercial auto insurance—Designed for vehicles primarily used for business, this coverage can protect against liability, property damage, and more.
• Rideshare coverage—If you drive for companies like Uber or Lyft, specialized endorsements can fill gaps between your personal policy and the coverage provided by the platform.
• Business use endorsements—Some insurers offer add-ons to personal policies that extend coverage for occasional business use.

How We Can Help

At Calle's Insurance, we guide California drivers and business owners through their options, helping you find coverage that fits your unique situation. Our team understands the local market and can recommend solutions that keep you protected on the road.

If you use your personal vehicle for work, don’t leave your coverage to chance. Contact us today to discuss your needs and get a personalized insurance review.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.