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Chances are your business requires the use of a commercial vehicle to transport your things and stuff like employees and equipment. With every trip comes the risk of accidents, injury, traffic violations, property damage, loss/theft and lawsuits.
That's why it's important to know about the different types of commercial auto coverage available. Our independent insurance agents are here to eliminate the hassle of searching on your own by walking you through a handpicked selection of top policies for you.

What is Commercial Auto Insurance?

Commercial auto insurance protects any vehicles used for business purposes against property damage and liability. This includes injury to your employees, passengers, and other people/properties involved in an accident with a company vehicle.

Is Commercial Auto Insurance Mandatory?

In most states, yes. All registered vehicles are required to have liability coverage – personal auto policies will not cover business vehicles. An independent insurance agent will know about your state’s laws and be able to make sure you’re street legal.

Why Do I Need Commercial Auto Insurance?

Commercial auto insurance is set up differently from personal auto policies and designed specifically for businesses. That being said, if you don’t want your company to risk a door-closing disaster, you will get the commercial coverage needed to protect you and your employees against claims caused by an accident.

What Does Commercial Auto Insurance Cover?

A commercial auto insurance policy is designed to be flexible for all kinds of vehicles and protects against a number of risks that are involved in owning and driving a business vehicle.
Commercial auto insurance coverage can include the following:

Collision

Covers costs related to a collision like repairs to the vehicle.

General Liability

Covers damage to property or injury to others involved in a collision with the business's vehicle.

Comprehensive

TCovers damages not related to a collision like fires, vandalism or fallen objects like trees.

Loss

Covers costs if the vehicle is stolen.

Owned Vehicles

Covers all aspects of vehicles owned under business's name.

Non-Owned Vehicles

Covers vehicles not owned by the business but driven by its employees like a salesperson's personal car.

Hired Car

Covers any vehicles that are rented by a business.