Can I use my personal vehicle for business purposes?

No. From an insurance standpoint, you cannot use your personal vehicle for business or commercial purposes.

The following uses are considered business or commercial and are NOT covered by a personal auto policy:

  • Using your vehicle to carry paying passengers
    • This includes, but is not limited to Uber, Lyft or any other similar ridesharing services.
  • Using your vehicle for deliveries/drop offs
    • This includes but is not limited to UberEats, SkipTheDishes, DoorDash, JustEat, Foodora or any other similar delivery services.
  • Renting your vehicle to others
  • Vehicles that have commercial plates
  • Emergency vehicles
  • Transporting items used for work between work sites and your workplace (or your home) using your personal vehicle. These items can include things to be installed at a work site (like drywall). Or, it can also be equipment to be used at a work site (like landscaping machinery)

Heads up! Using your car to drive to and from your workplace on a daily commute doesn’t fall under business use. It’s also okay to carry things like your laptop and work files in your car. 

It can sometimes be tricky to know what’s allowed and what isn’t. If you’re not sure if the way you use your car is covered under your policy, get in touch with us. We’re happy to help!