Not having commercial auto insurance can lead to serious legal, financial, and operational consequences for a business. If an accident occurs while using a vehicle for business purposes and there is no commercial auto coverage, the company may be held personally liable for damages, medical expenses, and legal fees, which can be financially devastating. Additionally, operating without proper insurance can result in fines, license suspension, vehicle impoundment, and legal penalties depending on state laws. It may also harm the business’s reputation and credibility, especially if clients or partners require proof of insurance. In some cases, personal auto policies may deny claims related to business use, leaving the company unprotected. Lack of coverage can also delay business operations, especially if the vehicle is essential for deliveries, services, or transportation. Ultimately, failing to carry commercial auto insurance puts a business at significant risk and may jeopardize its long-term sustainability.