Whether you need to buy a business auto insurance policy will depend on specifics surrounding the vehicle's usage.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you. To ensure your business has the right automotive coverage, here are a few questions to consider:
Do you use vehicles in your business?
Who is driving these vehicles, owners or employees?
Are employees using their personal vehicles for business?
For your company's commercial property insurance, these are a few good habits to ensure you have the right coverage.
Review your property limits annually with your agent.
Ensure your building and content are insured for the proper values.
Here is one of the biggest misconceptions surrounding worker's comp insurance.
Do not confuse workers compensation as health insurance, it is designed specifically for injuries sustained on the job.