I haven’t focused on commercial auto lately because most small contractors don’t realize there’s a real difference between personal and commercial coverage—so the conversations haven’t been coming up.

But that will change.  One, a personal policy can actually deny a claim if the vehicle is used for business.  And two, it often doesn’t properly cover employees or tools, which leaves a big gap.

The best time to address this is late winter into early spring, before contractors get busy, so they’re properly covered heading into summer.

I’ll be focusing on educating small business owners on closing those coverage gaps.

So if you hear someone say, ‘I just use my personal insurance for my work truck’—that’s my referral.