Business owners, whether you know it or not, the same coverages (Uninsured motorist liability, collision and comprehensive, medical payments, PIP) you carry on your personal vehicle should be the same coverage you carry on your business vehicle. There are times when business owners use the same vehicle for their leisure and for business.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business. While the major coverages are the same, a business auto policy differs from a personal auto policy
in many technical respects. Ask your insurance agent to explain all the differences and options.