Commercial Auto Insurance

Business Insurance for Commercial Auto

Commercial auto insurance covers vehicles owned or used by your business, providing liability protection and physical damage coverage. This policy applies to cars, trucks, vans, and other vehicles used for business purposes, protecting you from accidents, injuries, and vehicle damage.

Why Your Business Needs This

• Accidents involving business vehicles can result in catastrophic liability claims
• Personal auto policies exclude coverage for business use
• Vehicle damage can disrupt operations and customer service
• You're liable for accidents caused by employees driving for work

What It Covers

Commercial auto insurance includes liability coverage for bodily injury and property damage you cause to others, collision coverage for damage to your vehicle from accidents, comprehensive coverage for theft and non-collision damage, medical payments for occupants of your vehicle, and uninsured motorist protection. Coverage extends to owned vehicles, leased vehicles, and hired vehicles. Additional coverages like rental reimbursement and towing can be added.

When Do I Need Commercial Auto Instead of Personal Auto?

You need commercial auto insurance if your business owns vehicles, you regularly transport goods or equipment, you use vehicles with business logos or signage, you transport clients or passengers for a fee, or your vehicles are registered to your business. Using personal auto insurance for business purposes can void your coverage.

What About Employee-Owned Vehicles?

If employees use their personal vehicles for business, you need hired and non-owned auto coverage. This protects your business from liability when employee-owned vehicles are used for work purposes, filling gaps in their personal policies.