To convert a personal auto insurance policy to a commercial one, contact your insurance provider and inform them of your intention to use your vehicle for business purposes. Provide details about your business operations, the type of vehicle, its usage, and whether it will transport goods, passengers, or equipment. The insurer will assess the risk based on these factors and may require additional documentation, such as a business license or proof of ownership if the vehicle is registered under a business name. Once approved, they will cancel your personal policy and issue a commercial auto policy with appropriate coverage tailored to your business needs, such as liability limits and cargo coverage. Premiums for commercial policies are typically higher due to increased risk. Be prepared for a possible inspection or adjustments to the policy if your business grows or the vehicle’s use changes over time.