If you use any vehicle to deliver orders, visit clients, transport equipment to trade shows, or make on-site engraving trips — your personal auto insurance will deny coverage if you have an accident while on business. Commercial auto insurance is the fix.
Even if you don't own a company vehicle, you may need hired & non-owned auto insurance. This covers you when employees use their personal cars for business errands, or when you rent a van to deliver a large trophy order. Many engraving businesses overlook this exposure until there's an accident.
Potentially yes. If the employee was acting within the scope of their employment, your business could be vicariously liable. Hired & non-owned auto coverage protects against this scenario.
Commercial auto liability covers damage your vehicle causes to others. Your laser equipment and cargo inside the vehicle is typically covered by an inland marine or commercial property floater, not the auto policy.