Do You Need Commercial Auto Insurance for Your Side Hustle?

Working a second job or doing gig work can be an enjoyable and rewarding way to boost your income. But if these occupations require you to use a vehicle, you’ll need to plan accordingly. Whether you’re delivering food, offering rideshare services or running a mobile business, you need to understand that standard auto insurance may not be sufficient. Complying with further coverage requirements is imperative.

When Personal Auto Insurance May Not Be Enough

Most personal auto insurance policies are designed for everyday driving, such as commuting to your job or running errands. Business use is often explicitly excluded. If you use your car for work-related activities, your personal policy may not cover accidents or damages that occur while you’re on the clock. This coverage gap can leave you financially exposed if something goes wrong and lead to increased rates or cancellation of coverage.

Common side hustles that may require more than personal auto insurance include:

• Rideshare driving (e.g., Uber or Lyft)
• Food or package delivery (e.g., DoorDash or Instacart)
• Mobile businesses (e.g., pet grooming, cleaning services or repair work)

Understanding Commercial Auto Insurance

Commercial auto insurance is designed to cover vehicles used for business purposes. It typically offers higher liability limits and can include financial protections not found in personal policies, such as coverage for business equipment or multiple drivers. In many states, including Ohio, commercial coverage is typically required by law if you use even personal vehicles for business purposes.

How Our Team Can Help

At Garlesky Insurance Agency, we help motorists in and around Cuyahoga Falls, OH understand and address their coverage needs. Our team can review your business activities, explain the differences between personal and commercial coverage and help you find a policy that fits your situation.

Contact us today to start a dialogue or get a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.