The requirements for having business use or commercial auto insurance on a vehicle may differ according to state laws and insurance company guidelines.

Generally your boyfriend should select Business Use auto insurance if his vehicle is regularly used for occupational responsibilities, such as traveling between locations for sales calls or other business appointments.

Most personal auto policies will exclude coverage for the vehicle while it’s being used for business purposes. Business use or commercial vehicles are normally driven more and need different, higher limits then personal vehicles.

In general, personal use is the non-business use of a personal vehicle, including commuting to or from work or school. Business use is the use of a vehicle which is required by or primarily involved in the duties of the primary operator in his or her occupation, profession or business, other than going to or from work.

With a business policy the named insured is usually the business. Automatically included normally as insured's are: employees; owners of borrowed vehicles; anyone using the business auto with permission. A bank or leasing company with an interest in an insured vehicle may be included as an additional insured.

Because, there are variances and other eligibility clauses within these definitions that differ from insurance company to insurance company, you will need to ask your agent or insurance company for further help. If your boyfriend's vehicle is currently covered under a personal auto insurance policy but he uses the vehicle for business or commercial use then likely he will need to convert it to a business use policy.

CarInsurance.com specializes in personal automobile insurance but we do partner with carriers that offer business insurance. You can get quotes on business or commercial insurance through our website. Follow the link on this page: Insurance Products.