Commercial Insurance
Commercial Auto Insurance
Commercial auto insurance covers vehicles used primarily for business purposes — company trucks, vans, service vehicles, fleets, and even personally owned vehicles when driven for work. Personal auto policies typically exclude business use, which means a vehicle that regularly hauls equipment, transports clients, or is driven by employees needs a commercial policy. Whether you're a sole proprietor with a work truck or a company managing a fleet of service vehicles, commercial auto coverage is essential to protecting your operation on the road.
What Commercial Auto Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Liability coverage for bodily injury and property damage caused by a company vehicle
Collision coverage for vehicles damaged in an accident regardless of fault
Comprehensive coverage for theft, vandalism, fire, and weather damage to company vehicles
Uninsured/underinsured motorist coverage when the other driver isn't adequately insured
Medical payments coverage for driver and passenger injuries
Hired and non-owned auto liability for vehicles rented, leased, or personally owned by employees when used for business
Who Often Explores Commercial Auto Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Business owners with company-owned vehicles used by themselves or employees
Contractors, plumbers, electricians, and tradespeople with work trucks
Businesses that use vehicles to transport clients, deliver products, or provide mobile services
Companies operating a small or large fleet of service vehicles
Any business owner whose employees occasionally drive personal vehicles for work purposes
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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