If you are a commercial driver, you might also need commercial auto insurance. Begin by asking your employer about the extent of commercial insurance the business carries, and what types of coverage the policy includes. In addition to liability insurance, some commercial insurance policies include uninsured or underinsured motorist coverage, collision coverage, and comprehensive coverage.

Once you have a clear idea of the commercial coverage the business carries, you can informed decision regarding the purchase of additional insurance.

Advantages of Additional Liability Insurance

Many companies and CDL drivers opt to purchase more liability insurance than the minimum required. The reason for this is that in the event of a serious accident, the minimum is often not enough to cover all repair and medical expenses.

The amount of liability insurance you need depends on several factors―such as the nature of the business and driving extent―insurance professionals generally recommend carrying at least $500,000 liability coverage per accident.