A commercial vehicle needs similar coverage to your personal one, but a personal auto insurance policy won’t provide all the coverage you need. A personal auto policy usually only covers one person driving their own car, and doesn’t typically extend to cover commercial vehicles. There are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits. If you have multiple people driving company vehicles, a commercial auto policy is a must.