Commercial Auto Insurance vs. Personal for Pickup Truck Towing: Which Do You Need?

Construction Truck at Sunset

Using a pickup truck to tow trailers, transport equipment, or haul loads for commercial clients is a common way for independent contractors, hotshot haulers, and tradespeople to earn substantial income. However, using your personal truck for towing business loads introduces significant insurance complications. A standard personal auto insurance policy usually explicitly excludes damages caused while