Why does my private passenger vehicle have to go on my commercial policy?

If a private passenger auto is not a pick up or a van and is registered in the name of a business, it needs to be covered under a business auto policy. If the vehicle is registered in the individual's name, but is used for business use, some uses may be covered under the personal auto policy (for example a sales person). However, the personal auto policy must be designated as business use.

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