What is typically a requirement for obtaining liability coverage for a business vehicle?

Obtaining liability coverage for a business vehicle generally requires that the vehicle be owned by the business. This is crucial because liability insurance is designed to protect the business in case the vehicle is involved in an accident, causing damage or injury to another party. If the vehicle is owned by the business, the insurance policy can ensure that the business is liable for any incidents associated with that vehicle during its operation.

In contrast, a vehicle not owned by the business may not be covered under a business liability policy, even if it is used for business purposes. Insurers want to ensure that they are underwriting risks associated specifically with corporate-owned assets. Aspects like usage (whether for work purposes) or age requirements for drivers may also be included in insurance policies, but they are not typically prerequisites for obtaining coverage. The load capacity of the vehicle, while relevant for other types of coverage, doesn't typically affect the basic requirement for liability insurance.