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COMMERCIAL AUTO INSURANCE

Commercial auto insurance covers vehicles your business owns, leases, or uses for work.

Personal auto policies exclude most business use of a vehicle. If you have vehicles in the business name, employees driving on company time, or any regular business driving beyond commuting, you need commercial auto coverage.

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WHAT'S COVERED

What commercial auto covers.

Liability coverage

Pays for injuries and property damage your business causes to others while operating commercial vehicles. Limits are typically much higher than personal auto because business risk is higher.

Physical damage

Collision and comprehensive coverage on the vehicles themselves. Includes damage from accidents, theft, vandalism, weather, and falling objects.

Hired and non-owned auto

Liability coverage when employees drive personal vehicles for business or when the business rents vehicles. Often added to a BOP for businesses without owned vehicles.

Uninsured and underinsured motorist

Pays medical bills and lost wages if your driver is hit by an uninsured driver. Important when employees are operating company vehicles. Required coverage in most states.

IMPORTANT LIMITATIONS

What commercial auto does not cover.

Personal use exclusions

Some commercial auto policies restrict or exclude personal use of company vehicles. Confirm the policy form allows the personal use you actually have.

Cargo and goods in transit

What you are hauling is generally excluded under commercial auto. Inland marine or motor truck cargo coverage is needed for goods, materials, or equipment in transit.

Specialized equipment on the vehicle

Cranes, lifts, and similar equipment mounted on a vehicle have special coverage rules. Damage to the equipment itself often needs to be scheduled separately.

Driver MVR violations and class restrictions

Drivers with poor records, suspended licenses, or driving classes outside what is filed with the carrier may not be covered. Maintain accurate driver lists and run MVR checks.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Driving for work on a personal auto policy?

Most personal auto policies exclude business use. Send us details on your vehicles, drivers, and how you use them. We will quote commercial auto coverage that actually applies when you have a claim.

Varies widely by state, vehicle types, driver records, radius of operation, and claims history. Most small business commercial auto policies cost between $1,000 and $4,000 per vehicle per year. Trucking and long-radius operations cost significantly more.

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