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If you write personal lines auto policies, you know that you have commercial use on your book. But you may be surprised to learn that number is likely much higher than you think. Our studies show that up to 10% of your book is made up of at-risk vehicles like half-ton trucks or larger, cargo vans, sprinters and transits. And of that 10%, we typically see at least 4% commercial use and even up to 10% in some cases. As one carrier said to us, “commercial use is beyond an epidemic.”

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