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Do I need personal or commercial auto insurance to tow my flatbed trailer and hauling machinery?

I am not a business, but I own a flatbed trailer. My son-in-law has a heavy equipment company and on occasions have needed machinery delivered with my trailer. What kind of policy do I need? 

Mar 30, 2023 Bolivar, MO

Answer
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Senior Insurance Specialist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 5 years of experience in the insurance industry

Even though your vehicle is used for personal use, your vehicle itself is made for business use. If you want it insured then you will need to get commercial insurance, especially if your son-in-law has an equipment company. 

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