Unless You Like Denied Claims and Awkward Conversations with Your Agent
You’ve got a truck. You’ve got a trailer. You’ve got five weed eaters, three gas cans, and a broken rake jammed in the bed. Guess what? That’s not a personal vehicle anymore. It’s a work truck — and if it’s still insured on your personal auto policy, you’re basically driving a lawsuit with cupholders.
Let’s break down why this is a terrible idea (but super common), and how to fix it before your insurance ghosts you when you actually need it.
What Personal Auto Doesn’t Cover
Your personal auto policy is built for:
- Picking up kids
- Running errands
- Hauling your golden retriever to Home Depot
It’s not built for:
- Towing trailers full of gear
- Delivering mulch or materials
- Letting your crew take it to jobs
- Advertising your business with a logo wrap
One “business use” and boom — you’re out of bounds.
Real-World Horror Stories
Fender bender while hauling mulch?
Claim denied. Personal use only, remember?
Employee crashes your truck?
Denied. He’s not listed, and he’s not family. He’s a liability.
Trailer jackknifes into a BMW?
That trailer wasn’t covered. The damage? $17,000 and a one-star Google review.
You call your agent…
And they hit you with:
“Ohhh yeah… that’s not covered. Sorry, we only cover personal use.”
Cue the slow motion wallet cry.
What You Actually Need: A Commercial Auto Policy
Commercial auto is built for business:
- Business use (daily and legally)
- Equipment trailers
- Employees behind the wheel
- Higher liability protection
- Logo wraps and signage
Basically, it covers all the stuff you’re already doing — just without the “surprise, you’re uninsured” part.
“But My Personal Policy is Cheaper”
Yep. So is skipping safety glasses. But that doesn’t mean it’s smart.
The difference in premium is often small, especially when you factor in:
- Higher liability limits
- Protection for your business
- Peace of mind when you send the crew out with your $60K rolling billboard
Green Pro Helps You:
- Find the right policy (without judging your current one — promise)
- Cover your trailers, tools, and signage properly
- Add drivers and vehicles the right way
- Avoid claim denials, legal issues, and coverage gaps that’ll cost more than your whole truck
Final Word:
If it hauls tools and makes you money — it’s not personal. It’s business.
And it needs business coverage.
Don’t wait until your agent hits you with the “We regret to inform you…” letter.
Click here to quote smarter (no shame — we’ve all made this mistake once)