Usually, yes.

A vehicle insured under a Commercial Motor policy can often be used for both business and personal purposes, provided the actual use is disclosed and accepted by the insurer.

What does the insurer need to know? #

Relevant information can include:

• The business activities the vehicle is used for
• Whether it carries tools, equipment or goods
• Who regularly drives it
• Whether it is used for deliveries
• Whether customers or passengers are transported
• The extent of private or family use

Some uses can require specific underwriting or a different policy arrangement, including:

• Rideshare
• Courier or delivery work
• Carrying passengers for payment
• Transporting dangerous goods

If the vehicle’s use changes during the policy period, contact our team so the insurance implications can be checked.