A vehicle can serve very different purposes depending on how it is used. One driver may use a car primarily for commuting and family errands, while another may rely on a pickup truck to transport equipment between job sites. A business owner might have several employees driving company vehicles or using their own cars to complete work assignments. These differences can affect the insurance coverage required.

Galt Insurance offers personal auto and commercial automobile insurance as part of its broader personal and business insurance services. For Florida drivers and business owners, understanding the distinction between these coverage categories is an important step toward making informed decisions about vehicle protection, liability and financial risk.

Start by Understanding How the Vehicle Is Used