Coverage For Vehicles That Power Your Business
core Coverages
Commercial auto insurance helps cover vehicles used for work—whether you manage a fleet or just drive to job sites. It’s essential for protecting your business on the move.
From accidents to damage claims, we build coverage that fits how your business drives—without unnecessary extras or confusing terms.
Stay Protected Behind The Wheel
Liability Coverage
Liability Coverage
Liability insurance covers injuries or property damage you cause while driving for business. It’s the core protection every commercial auto policy needs.
- Covers third-party injuries or damage
- Required by most states
- Applies to owned, leased, or rented vehicles
- Includes legal defense if sued
- Helps protect your business from large claims
Collision & Comprehensive Coverage
Collision & Comprehensive Coverage
These coverages pay to repair or replace your work vehicle if it’s damaged in an accident or due to theft, vandalism, fire, or severe weather.
- Covers at-fault accidents
- Includes fire, theft, & hail damage
- Pays for repairs or total loss
- Applies to company-owned vehicles
- Often required for financed vehicles
Hired & Non-Owned Auto Coverage
Hired & Non-Owned Auto Coverage
If your team uses personal or rented vehicles for work, this coverage helps protect your business from liability—without needing to insure every individual car.
- Covers employee-owned vehicles used for work
- Applies to rented or leased vehicles
- Liability protection for business use
- Useful for delivery, sales, or service calls
- Affordable add-on to standard policies
FREQUENTLY ASKED QUESTIONS
Commercial Auto
Here’s what business owners often ask when insuring company vehicles.
What qualifies as a commercial vehicle?
Any vehicle used for work can qualify—including trucks, vans, cars, and trailers. If it’s titled to your business or used during business hours, it likely needs commercial auto coverage.
Can I use my personal auto insurance for business driving?
Personal policies usually don’t cover work-related use. If you or your employees use a vehicle for deliveries, job sites, or transporting goods, commercial auto insurance is the safer choice.
Is commercial auto insurance required by law?
Yes, if your business owns vehicles or uses them for work, most states require liability insurance. Some contracts or clients may also require proof of coverage.
Does it cover my employees while driving?
Yes—commercial auto covers listed employees and may extend to others with permission. If employees use personal vehicles for business, you may also need hired & non-owned auto coverage.
Can I insure multiple vehicles under one policy?
Yes! We can build a policy that covers your entire fleet, whether you have two vehicles or twenty. This makes managing coverage and billing easier and often more affordable.