Business Auto insurance is used to insure passenger and commercial auto exposures of all businesses other than garages, truckers, and motor carriers. These three industries have special policies designed just for them. Coverage is very similar to a personal auto policy. However personal auto policies typically exclude coverage when a vehicle is used for business. Though there are a few companies that offer endorsements to cover business use on a personal policy, having a business auto policy gives better protection when a vehicles primary use is business.