Commercial Auto Insurance
Comprehensive coverage for vehicles used in your business operations, from company cars to delivery trucks and commercial fleets.
What is Commercial Auto Insurance?
Commercial Auto Insurance covers vehicles owned, leased, or used by your business. It provides liability coverage, physical damage protection, and coverage for drivers operating company vehicles for business purposes.
Liability Protection
Covers damage and injuries to others
Vehicle Damage
Repairs or replaces your business vehicles
Driver Coverage
Protects all authorized drivers
Personal Auto vs. Commercial Auto
Personal auto policies typically exclude coverage for business use. If you use vehicles for work, you need commercial auto insurance—even if it's your personal car.
What's Covered
Liability Coverage
Bodily injury and property damage you cause to others in an accident involving your business vehicle.
Collision Coverage
Damage to your vehicle from collisions with other vehicles or objects, regardless of fault.
Comprehensive Coverage
Theft, vandalism, fire, weather damage, and other non-collision incidents.
Medical Payments
Medical expenses for you and your passengers, regardless of fault.
Uninsured Motorist
Protection if you're hit by a driver without insurance or who flees the scene.
Hired & Non-Owned Auto
Coverage for rental vehicles and employee-owned vehicles used for business.
Who Needs Commercial Auto Insurance?
Any business that uses vehicles needs commercial auto insurance:
Delivery Services
Food, packages, or courier services
Contractors
Construction and trade work
Sales Teams
Field sales and client visits
Home Services
Plumbing, HVAC, cleaning
Restaurants
Catering and food delivery
Service Businesses
On-site customer service
Choosing Coverage Levels
Liability Limits
Higher limits protect your business from large claims:
- •$500,000: Minimum for most businesses
- •$1,000,000: Standard recommended coverage
- •$2,000,000+: For high-risk or fleet operations
Physical Damage Coverage
Consider your vehicle value and budget:
- •Actual Cash Value: Lower premiums, depreciated payout
- •Replacement Cost: Higher premiums, full replacement
- •Stated Value: Agreed-upon value for specialty vehicles
Get Your Commercial Auto Quote
Fill out the form below to receive a customized commercial auto insurance quote.
Frequently Asked Questions
Do I need commercial auto if I only occasionally use my car for business?
Yes. Even occasional business use can void your personal auto policy. Commercial auto or a business use endorsement is necessary.
Does commercial auto cover employees driving their own vehicles?
You'll need non-owned auto liability coverage, which extends protection to employees using personal vehicles for business purposes.
Is commercial auto more expensive than personal auto?
Generally yes, because business vehicles typically have higher liability risks, more miles driven, and greater potential for claims.
What vehicles are covered under commercial auto?
Cars, trucks, vans, trailers, and specialized vehicles owned, leased, or regularly used for business. Very large trucks may need specialized coverage.