Commercial Auto Insurance

Protecting Your Business Vehicles and Drivers

Why Commercial Auto Insurance Matters

Many businesses rely on vehicles every day to deliver products, provide services, transport equipment, or meet customers. Commercial Auto Insurance helps provide protection for business vehicles and related risks.

Personal auto insurance may not provide the protection needed when vehicles are used for business purposes. Commercial auto coverage is designed specifically for business operations.

Benefits of Commercial Auto Insurance

Vehicle Protection

Helps protect business vehicles from certain covered losses and damage.

Liability Protection

Helps protect your business from certain claims arising from vehicle accidents.

Business Continuity

Helps your business continue operating when vehicle losses affect daily activities.

Understanding Commercial Auto Coverage

Commercial Auto Insurance can be designed for many different business needs, from individual business vehicles to fleets of company-owned vehicles.

Coverage options depend on the vehicles used, how they are used, who operates them, and the risks associated with your business.

Common Commercial Auto Coverages

Commercial Auto Insurance can include several types of protection depending on your vehicles, drivers, and business operations.

Liability Coverage

Helps protect your business if a company vehicle is involved in an accident that causes injury or property damage to others.

  • Bodily injury liability
  • Property damage liability
  • Business-related vehicle risks

Physical Damage Coverage

Helps protect business vehicles from certain covered damage or losses.

  • Collision damage
  • Comprehensive losses
  • Vehicle repair considerations

Uninsured / Underinsured Motorist Coverage

May help provide protection when a business vehicle is involved in an accident with a driver who has inadequate insurance coverage.

  • Protection against certain uninsured drivers
  • Additional financial protection
  • Policy-specific options

Who May Need Commercial Auto Insurance?

Service Businesses

Companies that use vehicles to travel to customer locations or provide services.

Delivery Businesses

Businesses that transport products, materials, or equipment as part of daily operations.

Companies With Employees Driving

Businesses where employees operate vehicles for business-related activities.

Important Commercial Auto Considerations

Common Commercial Auto Insurance Questions

Can I use personal auto insurance for business vehicles?

Personal auto policies may not provide the coverage needed for vehicles used primarily for business purposes. Commercial auto coverage is designed for business-related risks.

Does commercial auto cover employee drivers?

Coverage depends on the policy, eligible drivers, and business circumstances. Reviewing driver information is an important part of selecting appropriate coverage.

Do small businesses need commercial auto insurance?

Any business that uses vehicles for operations may need to consider commercial auto coverage depending on how vehicles are owned and used.

When should commercial auto coverage be reviewed?

Coverage should be reviewed when adding vehicles, changing drivers, expanding operations, or making other business changes.

Review Your Business Vehicle Protection

Your vehicles are important tools that keep your business operating. Proper insurance protection can help reduce risks associated with business transportation.

We can help review your vehicle usage, operations, and coverage options to help identify solutions for your business.

Keep Your Business Moving

Whether you have one business vehicle or an entire fleet, we can help you understand your commercial auto insurance options.