A commercial auto policy is required any vehicle title to the business.  It is also required for certian types of vehicles or operations such as delivery, tow trucks, large trucks, dump trucks, transportation, and many others.  Sometimes its allowed for a business owner to keep the vehicle they use for business on a personal policy and have their personal policy endorsed for “business use”.  Many times contractors are required to have their vehicles on a commercial policy, even if they aren’t “work” vehicles, if the general contractor hiring them requires it.