The more likely candidate for a commercial policy is the guy down the road who delivers packages from his personal vehicle. With so many miles and multiple stops that business is more of a liability than you who stays in the house most of the day.

If you operate a business that has a fleet of vehicles then you are most likely to need a commercial policy. Even in minor accident companies are held more accountable for their drivers than if it was just you on the road. A good commercial or business auto insurance policy will insure that you are protected from any possible losses. A car accident should not put you out of business.

If you are in doubt on what is required from you then just contact a couple of different insurance companies. They are there for information and support and if they can help you out then it is more likely that you will come to them when you need a policy.