{"id":80,"date":"2026-08-28T04:00:00","date_gmt":"2026-08-28T10:00:00","guid":{"rendered":"https:\/\/www.stewartagency.com\/blog\/?p=80"},"modified":"2026-08-10T13:25:56","modified_gmt":"2026-08-10T19:25:56","slug":"auto-insurance-commercial-versus-personal","status":"publish","type":"post","link":"https:\/\/www.stewartagency.com\/blog\/auto-insurance-commercial-versus-personal\/","title":{"rendered":"Auto Insurance: Commercial versus Personal"},"content":{"rendered":"<p>If you&#8217;re a company owner, one of your responsibilities is purchasing commercial insurance. Many business owners prefer working with an experienced insurance agent when exploring their options. If your company is near Elmira, NY, our team at Stewart Agency, Inc. looks forward to meeting you. We&#8217;ve been working with businesses like yours since 1985.<\/p>\n<h2>Auto Insurance: Commercial vs. Personal<\/h2>\n<p>Just as all New York drivers must maintain active auto insurance, businesses must carry auto insurance for vehicles used for business purposes. In the business world, this is known as commercial auto insurance. Many company owners wonder whether they need both personal and commercial coverage, so it helps to understand the key differences between the two.<\/p>\n<p>The main distinction between personal and commercial auto insurance comes down to how the vehicle is used. Companies need commercial auto insurance for any vehicle that transports company goods or makes deliveries. If your business uses a vehicle as a mobile business location, such as a food truck, that&#8217;s another reason to carry commercial coverage. And if your business involves transporting people, such as a taxi or rideshare service, commercial auto insurance is required for all vehicles used in that capacity.<\/p>\n<h2>Call Us Today for Your Appointment<\/h2>\n<p>You never know when a disaster might damage your business property. Our team at Stewart Agency, Inc. has the experience to help you select the right components for your commercial insurance portfolio. Clients in the Elmira, NY, area have relied on us for excellent customer service for over 40 years. Give us a call today for your appointment.<\/p>\n<hr \/>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re a company owner, one of your responsibilities is purchasing commercial insurance. Many business owners prefer working with an experienced insurance agent when exploring their options. If your company is near Elmira, NY, our team at Stewart Agency, Inc. looks forward to meeting you. We&#8217;ve been working with businesses like yours since 1985. Auto [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[31,32,16,29,34,15],"class_list":["post-80","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-commercial","tag-elmira","tag-inc","tag-insurance","tag-ny","tag-stewart-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"If you&#039;re a company owner, one of your responsibilities is purchasing commercial insurance. Many business owners prefer working with an experienced insurance agent when exploring their options. If your company is near Elmira, NY, our team at Stewart Agency, Inc. looks forward to meeting you. We&#039;ve been working with businesses like yours since 1985. 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Auto"},"aioseo_meta_data":[],"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.stewartagency.com\/blog\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.stewartagency.com\/blog\/category\/commercial-insurance\/\" title=\"Commercial Insurance\">Commercial Insurance<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tAuto Insurance: Commercial versus Personal\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.stewartagency.com\/blog"},{"label":"Commercial Insurance","link":"https:\/\/www.stewartagency.com\/blog\/category\/commercial-insurance\/"},{"label":"Auto Insurance: Commercial versus Personal","link":"https:\/\/www.stewartagency.com\/blog\/auto-insurance-commercial-versus-personal\/"}],"_links":{"self":[{"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/posts\/80","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/comments?post=80"}],"version-history":[{"count":1,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/posts\/80\/revisions"}],"predecessor-version":[{"id":81,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/posts\/80\/revisions\/81"}],"wp:attachment":[{"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/media?parent=80"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/categories?post=80"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/tags?post=80"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}