You have a pest control company and full coverage ins on your two trucks do you need commercial auto insurance instead?

I own a small courier company. We are incorporated. We have to have commercial auto as our consumer auto company said they wouldn't cover accidents we had while doing business with our vehicles. Plus they are owned by the company. I would check with my accountant. If your trucks are owned by the company I would assume you would have to have commercial auto. If a driver is using the vehicle on a job has an accident your company is liable, right?

If the vehicle is generating income it would fall under the commercial umbrella where commercial insurance would be needed.