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Commercial Auto Insurance

Driving is a part of every business. Whether you are delivering products, meeting with customers, transporting equipment, driving to service locations, picking up supplies, or managing a fleet of drivers and vehicles, taking your vehicles on the road can be vital to your business operations and success.

Commercial auto insurance is designed to cover losses if you or your employee are in an accident when driving for business. Commercial auto insurance is not included in your business owner’s insurance policy. Most states require businesses to have a minimum amount of commercial auto insurance.

Who needs Commercial Auto Insurance?

Any business that owns motor vehicles or uses any motor vehicles in the course of doing business whether they are owned, leased or rented needs commercial auto insurance. Many of our carrier partners provide industry-specific coverage for commercial auto and fleet vehicles.

Commercial Trucking insurance has unique coverage for an industry with unique needs.

Commercial auto insurance can vary by state. Protect your business, whether it is coverage for one vehicle or a fleet of vehicles.

Liability Coverage

Bodily Injury Liability Coverage helps pay for the other driver’s medical expenses.
Property Damage Liability Coverage pays for damage that you or your employees cause to someone else’s property.
Rental Car Coverage offers liability coverage while you or your employees are driving a rental vehicle for business.
Hired and Non-Owned Auto Insurance offers lawsuit liability coverage if you or your employees are involved in an accident with a personal, rented or leased car that was used for business errands, does not pay for damages to your car.

Physical Damage Coverage

Collision Coverage helps pay to fix or replace your business car if you hit something, like another car or pole.
Comprehensive Coverage can help pay for car damages caused by theft, fire or natural disasters.
Specified Causes of Loss Coverage protection against specified peril such as vandalism, hail or fire.

Personal Injury Protection (PIP)

Also known as no-fault insurance, can help cover medical expenses, lost wages or funeral costs after an accident, no matter who is at fault

Medical Payments Coverage

Can help pay for medical expenses for your employees and their passengers in the event of an accident, such as medical treatments and rehabilitations, dental care or funerals.

Uninsured / Underinsured Motorist Coverage

Helps pay for you or your employees’ medical expenses or to fix your car if the other driver lacks enough liability coverage.

Examples of how commercial auto insurance can help protect your business:

An employee hits a pedestrian while driving a vehicle for business. The pedestrian requires medical treatment that results in costly medical expenses.
You swerve off the road while driving to work in a company car and take out a residential mailbox.
An employee drives to work in a company vehicle, hits another car and totals it.

Our carrier partners have a proven track record of providing resources to help make sure your drivers are safe.

Do you drive a Commercial Truck or does your business have a fleet of Commercial Trucks?

Find out more about Commercial Truck Insurance.

FAQs

What vehicles are covered by Commercial Auto Insurance?

Vehicles covered by a business commercial auto insurance policy can include:

Passenger vehicles
Vans
Light trucks
Heavy and extra heavy-duty trucks
Truck trailers
Vehicle fleets
Specialty vehicles

What Auto Insurance discounts are possible?

You can also learn more about car insurance discounts are available by getting a quote from us today.

Does a personal auto policy cover a person vehicle being used on company time for business purposes?

It’s not designed for the type of risks you and your employees can face. In fact, most personal auto policies contain an exclusion for business use. Commercial auto insurance can cover business-owned vehicles, like fleets of vehicles or trucks, and even your own car, as well as those you rent, lease, or borrow. It can also help when employees use their personal vehicles for business.

A personal auto policy provides coverage for personally owned vehicles that are operated by individuals or family members for personal use.

Is there difference between a fleet and non - fleet commercial auto policy?

A fleet is defined as five or more self-propelled autos under one ownership and used for business purposes. A policy with less than five self-propelled autos is considered a non-fleet policy

Tips for Talking with Your Agent

Be prepared to talk about everyone who drives for your business, both on a regular basis or “as needed”.
Document the vehicles you use-the types of vehicles, whether you own or lease them, their condition, etc.
Let your agent help you brainstorm other possible ways driving might be involved in your business, in case there’s something you haven’t thought of.

Questions to Be Prepared to Discuss with Your Insurance Agent:

How your business needs drivers and vehicles to operate?
How much drivers are on the road?
What types of cars, trucks, or other vehicles do you use?
Are the vehicles owned or leased (age, quality, type will be needed)?
Do any employees use personal vehicles to run business errands, travel to job sites, etc.?
Are company vehicles used for personal use?