Yikes! Shocked that my auto usage requires commercial auto insurance!
I was just getting an insurance quote for my new 2017 CR-V Touring and they asked me about business use which is about 1/3 of my driving, ie the part where I drive to the US. Then I mentioned that I occasionally bring back some inventory. They told me that I need a commercial policy and that if i get in an accident without it my insurance would be invalid because I transport commercial goods occasionally.
I had thought this was covered under business use and now am floored that I need a commercial auto insurance. Of course I'll get it as otherwise I don't have insurance but I am very surprised this is the case. I know many other people who do the same as me and don't have commercial insurance. They'll be screwed if they ever get into an accident even if they are not transporting commercial goods at the time.
Can recommend a commercial auto insurance broker?