Coverage for vehicles used in your business

Commercial Auto Insurance

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.

Get a quoteCall (623) 873-1234

At a glance

Commercial Auto

Reviewed by a
licensed agent
Standard Limit
$1M combined single limit (CSL)
Key Add-on
Hired & Non-Owned Auto (HNOA)
Covers
Owned, leased, and hired vehicles
Separate From
Trucking (regulated for-hire freight)

Watch for: Hired and non-owned: the employee's own car on a work errand.

The policy

What it covers, and who it's for.

The short version. What a policy actually covers is in its forms and endorsements, and we read those with you before you buy.

What it covers06

  • 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 it05

  • 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

Questions

About commercial auto, answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

Often paired with

What usually goes alongside it.

  1. 01

    Trucking

    FMCSA-compliant coverage for freight operations
  2. 02

    General Liability

    Core protection every business needs
  3. 03

    Umbrella / Excess

    An extra layer of protection above your primary policies

Talk to a licensed agent, not a phone tree.

Tell us what you're insuring and we'll come back with commercial auto options from more than one carrier, explained in plain English.

Call the office Se habla español

(623) 873-1234
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