If your business owns, leases, or uses vehicles — your personal auto policy won't cut it. Commercial auto insurance covers your vehicles, drivers, and the liability that comes with putting company vehicles on the road.
Commercial auto insurance protects vehicles used for business purposes. Whether you have one company car or a fleet of 50, you need the right coverage.
Covers bodily injury and property damage you cause to others in a business vehicle accident.
Pays to repair or replace your vehicle after a collision, regardless of fault.
Covers non-collision damage — theft, vandalism, fire, hail, flooding, and animal strikes.
Protects you when the at-fault driver doesn't have adequate insurance.
Covers medical expenses for you and your passengers regardless of fault.
Covers vehicles you rent or employees' personal vehicles used for business purposes.
If vehicles are part of how your business operates — deliveries, client visits, hauling equipment — you need commercial auto coverage.
No. Personal auto policies exclude business use. If you're in an accident while working, your personal policy may deny the claim entirely.
Single-vehicle policies start around $1,200–$2,500/year. Fleets, heavy trucks, and high-risk operations cost significantly more. Your rate depends on vehicle type, driver records, and usage.
You need Hired & Non-Owned Auto coverage. This protects your business if an employee gets in an accident while driving their personal vehicle for work.
Not typically. Tools and equipment inside a vehicle are usually covered by inland marine insurance, not the auto policy. We can bundle both.
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