Can I Buy and Insure a Commercial for Personal Use

author-img By Mashum Mollah 5 Mins Read 11 September 2023

Commercial Vehicle

Yes, you can, but as with many things, it depends.

Many commonly commercial vehicles can be bought and insured for personal use that you wouldn’t usually think of.

These include dump trucks, refrigerated trucks, semi-trucks, flatbeds, cargo vans, tow trucks, fire trucks, and buses.

Are you searching for a moderately large vehicle?

Buying a commercial vehicle is the best solution for you. What is a commercial vehicle, and why buying and insuring it is required before personal use?

What Is A Commercial Vehicle?

What Is A Commercial Vehicle?

Commercial vehicles are motor car which is used for transporting goods or passengers. These are usually larger cars than personal use cars.

If you need a larger vehicle for your personal use and you are not fond of the look of the cars, then the commercial vehicles buyings are always going to profit you. 

But before using it, always insure your vehicles.

What types of insurance?

Commercial vehicle insurance is more complicated, and costly personal car insurances are better as you are using the car for your personal use.

Does Insuring The Commercial Car Before Personal Use A Good Idea?

Does Insuring The Commercial Car Before Personal Use A Good Idea?

Now it may begin to look like a free for all, but you have to ensure that you strictly use the vehicle for personal activities for them to be designated as so. 

For example, the dump truck. How would that work? Well, if you own some substantial land and want to move things easily around, then you can cover it with personal insurance so long as you’re not making any money from operating the truck.

This type of issue where an individual seeks personal cover on a commercial vehicle commonly arises when an individual purchases a commercial truck/van from a company rather than from a dealer to save on costs and because you can expect a commercial vehicle to be well maintained.

The problem sometimes comes with finding a policy that can cater to such a request. You might require specialty auto insurance because regular insurance won’t do.

At this point, you should speak to an insurance agent who can offer comprehensive information on a commercial vehicle for personal use insurance tailored to you.

Commercial vs. Personal Insurance

Commercial vs. Personal Insurance

Commercial vehicles insurances are more costly than personal insurance. This is all we know. But the facilities are also very different. Like what? 

Commercial car insurance includes the damage coverages of vehicles and passengers. But for personal car insurance, the company only provides compensation for individual car drivers.

If you are buying a commercial car and starting to use it as your personal car, then personal car insurance is always the most cost-effective solution.

Here are the differences between them.

1. Commercial Insurance

  • It covers the vehicle but also covers the commercial use of the vehicle. 
  • It protects businesses against losses and other auto-related claims, lawsuits, and settlements. 
  • Commercial insurance is also more expensive because of higher liability limits and the increased risk of property damage when transporting people or goods for profit.

2. Personal Insurance

  • Covers the vehicle and the personal use of the vehicle. 
  • It is designed to protect you and your personal assets from auto-related financial losses.

Also, note that to use a commercial vehicle even for private use means you need to be qualified to drive it. That means you need a commercial driver’s license (CDL) to drive some trucks, usually those exceeding a gross weight of 26,000 pounds.

Concerning the weight and the size of the truck, some trucks can be so large that they surpass law-required liability limits of personal insurance. In such a case, one must get a commercial vehicle insurance policy.

How To Select The Insurance For Your Vehicle?

How To Select The Insurance For Your Vehicle?

If you find yourself stuck with only a commercial insurance policy option, start by asking your current insurer about how you can get a reasonable-cost policy.

Next, you’ll want to shop around because insurance costs can vary wildly. Consider getting a commercial policy under your current company, which can get you a discount by having multiple policies under one umbrella.

If you are still in the dark and cannot find the exact solutions for you. Then join the commercial vehicle group and ask the solutions from other commercial vehicle users.


Sometimes you may not succeed in getting a personal insurance cover for your commercial vehicle. Despite this, take heart in the fact that insurers will focus more on the risk factors involved, meaning that your commercial insurance won’t be much more expensive than a comparative personal insurance cover.

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Mashum Mollah

Mashum Mollah is an entrepreneur, founder and CEO at Viacon, a digital marketing agency that drive visibility, engagement, and proven results. He blogs at

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