While commercial vehicle insurance has some similarities to your personal auto policy, there are important differences in coverages, exclusions, definitions, limits and eligibility itself. Written and rated differently, commercial car insurance is needed for certain situations and vehicle types. Whether it’s transporting goods or people for a fee, using your vehicle to conduct a service, or employees operating a vehicle, you may need a commercial auto policy.  Depending on your employer and/or your own business, you might need higher liability insurance, as well as additional coverage add-ons to make sure you, your employees, other individuals, your vehicle, and your business are fully protected.