Coverage Guide
Commercial Auto Insurance
Essential coverage for business vehicles, company fleets, and employees driving for work purposes. Protect your mobile assets and operations.
Who Needs Commercial Auto Insurance?
Any business that uses vehicles for work purposes needs commercial auto insurance. This includes company-owned vehicles, leased vehicles, and even personal vehicles used for business. Standard personal auto policies typically exclude business use.
Delivery and courier services
Construction and contracting companies
Sales teams with company vehicles
Transportation and logistics companies
Service businesses with mobile technicians
Real estate agents and property managers
20%
of commercial vehicles are involved in accidents yearly
Common Risks Protected Against
Commercial Auto Insurance helps protect your business from these common exposures and potential losses.
Collision Damage
Coverage for damage to your vehicles from accidents with other vehicles or objects.
Liability Protection
Coverage for bodily injury and property damage you cause to others.
Medical Payments
Coverage for medical expenses for you and your passengers.
Comprehensive Coverage
Protection from theft, vandalism, weather damage, and other non-collision events.
Uninsured Motorist
Coverage when the at-fault driver has no insurance.
Cargo Coverage
Protection for goods and materials being transported.
What's Typically Covered
Company-owned cars, trucks, and vans
Leased and rented vehicles
Specialized commercial vehicles
Trailers and attached equipment
Hired and non-owned auto liability
Medical payments for occupants
Roadside assistance and towing
Rental reimbursement during repairs
Common Exclusions
Personal use of company vehicles (may require endorsement)
Vehicles used for racing or stunts
Intentional damage
Wear and tear or mechanical breakdown
Damage while under influence of drugs/alcohol
Unauthorized drivers
Industries That Commonly Need This Coverage
Frequently Asked Questions
Common questions about commercial auto insurance
Standard Commercial Auto policies only cover vehicles listed on the policy. If employees use personal vehicles for business purposes, you need Hired and Non-Owned Auto coverage added to your policy. This protects your business if an employee causes an accident while driving their own car for work-related tasks like deliveries, client visits, or running errands.
Commercial insurance is designed specifically for business risks and exposures. It covers things like business property, commercial vehicles, employee injuries, professional mistakes, and lawsuits from customers or third parties. Personal insurance policies typically exclude business activities, so using personal coverage for business purposes could leave you unprotected when you need it most.
Not all claims affect premiums equally. Factors include claim frequency, severity, fault, and your overall claims history. A single small claim may have minimal impact, while multiple claims or large losses could increase rates at renewal. We help you understand the potential impact before filing and can advise on whether small claims are worth submitting.
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