General liability vs. Commercial auto: What's the difference?

[video: an animated header displays the Insureon logo. Underneath it, a subheading displays the text: "What's the difference between general liability and auto liability?"]

MALE VOICEOVER: One of the most common questions small business owners ask is: Do I need general liability insurance or commercial auto insurance? Or do I need both? The terms sound similar, but they cover very different risks. Let’s take a closer look at both policies.

[video: an illustrated header displays the text: "Do I need general liability, commercial auto, or both? "]

Think of general liability insurance as protection for your day-to-day business activities. It covers third-party claims like customer injuries, property damage, and advertising lawsuits.

[video: an illustrated header displays the text: "General liability covers:"]

[video: Under above header, three bullet points display the text: "Customer injuries at your shop"; "Accidental property damage"; "Legal costs if someone sues"]

It’s essentially your first line of defense against common risks every business faces.

One the other hand, commercial auto insurance is all about your business vehicles. If you drive for work, whether it’s a delivery van, work truck, or company car, commercial auto covers accidents, property damage, and injuries from those vehicles.

[video: an illustrated header displays the text: "Commercial auto covers:"]

[video: Under above header, three bullet points display the text: "Auto accident injuries"; "Property damage from vehicles"; "Vehicle theft and vandalism"]

Here’s a quick way to remember the difference... General liability protects you from accidents that happen because of your business activities, and commercial auto protects you from accidents that happen because of your business vehicles.

[video: an illustrated header displays the text: "General liability = business activity accidents"; "Commercial auto = business vehicle accidents"]

Many small businesses need both. For example, a contractor might need general liability to cover jobsite risks, and commercial auto to protect their work truck.

[video: an illustrated header displays the text: "Many small businesses need both policies to protect their operations."]

At Insureon, we make it easy to compare quotes for both general liability and commercial auto insurance.

[video: an illustrated white header displays the text: "Insureon is the #1 digital agency for small business insurance."]

Get protected today, so you can focus on running your business with confidence. Click the link to get started.

[video: an animated header displays the Insureon logo]