Even if you have personal auto insurance, you still need commercial auto insurance, because vehicles involved in an accident while engaged in company business may not be covered by your personal insurance. To make matters worse, you could be charged with misrepresentation if you've placed a vehicle you use for commercial purposes under yourpersonal auto policy.

What Commercial Auto Insurance Covers
There are a variety of coverages for your commercial autos, pickups, vans, trucks and non-owned and rented vehicles. You may also need "non-owned" vehicles-when employees use their own vehicles to run errands or when an employee travels and needs to rent a car.