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What’s the Difference Between Personal and Commercial Auto Insurance?

Little & Sons Insurance Group / Archive  / What’s the Difference Between Personal and Commercial Auto Insurance?
a business man driving a car | What’s the Difference Between Personal and Commercial Auto Insurance?

What’s the Difference Between Personal and Commercial Auto Insurance?

Learn About Commercial and Personal Auto Insurance Coverage


Commercial and personal auto insurance policies can have a lot of crossovers. There are certain situations where individuals and small businesses are unsure about which type of policy to purchase. Here, we take a look at personal and commercial auto insurance in Banning, CA and the differences between the two.


Who needs commercial auto insurance?

If you drive your vehicle for work-related journeys (not including the commute), you may need to consider securing commercial auto insurance. For example, you should obtain a commercial auto insurance policy if you:

  • deliver pizza to paying customers
  • transport people to a concert in with a ridesharing platform
  • regularly drive long distances to meet work clients or visit job sites
  • haul tools and equipment to the construction site where you’re working


At the most basic level, commercial and personal auto insurance do the same thing – provide you with protection against common threats and risks on the road. They offer financial protection and provide you with resources to recover if you need to file an insurance claim. They differ when considering the types of risks, coverage limits, and policies offered. Commercial auto insurance policies are tailored to offer coverage for all types of businesses and business vehicle functions.


Make sure to work with your insurer to secure the right policy. If you are driving a company car and hope that your personal auto insurance will cover a crash when you’re on the way to deliver materials, your insurer may simply deny the claim. Finding the right type of coverage is essential for financial protection.


Car insurance is there when you need it the most. To secure reliable coverage, contact the experts at Little & Sons Insurance Services. Serving Banning and the surrounding cities in California, we are ready to assist you with all your insurance needs.

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.

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