Commercial Auto Insurance
Coverage for vehicles used in your business
Personal auto policies exclude business use — a dangerous gap that can void your coverage entirely. Commercial Auto insurance covers vehicles owned, leased, or used for business purposes, providing liability protection and physical damage coverage whether you have one van or a full fleet.
What's Covered
What this policy covers
- Bodily injury and property damage liability for accidents you cause
- Collision — damage to your vehicle from an accident
- Comprehensive — theft, vandalism, weather, fire
- Uninsured/Underinsured motorist protection
- Medical payments for you and passengers
- Hired & Non-Owned Auto (HNOA) — when employees use personal vehicles for work
Who Needs It
Is this coverage right for you?
- Any business that owns or leases vehicles
- Contractors driving to job sites
- Delivery, courier, and transportation businesses
- Real estate agents transporting clients
- Any employee who uses a personal vehicle for work errands
FAQ
Common questions about Commercial Auto
My employee drives their own car for work. Am I covered?
Not under their personal policy — it typically excludes business use. A Hired & Non-Owned Auto (HNOA) endorsement on your commercial auto or GL policy closes this gap.
Do I need commercial auto if I only have one vehicle?
If that vehicle is primarily used for business, yes. Using a personal policy for a business vehicle can result in denied claims and policy cancellation.
What is the difference between commercial auto and trucking insurance?
Trucking insurance is for for-hire freight carriers regulated by the FMCSA. Commercial auto covers standard business vehicles not operating as federally-regulated motor carriers.
Ready to get Commercial Auto coverage?
We'll find the right carrier and limits for your specific situation — same-day quotes for most accounts.