Commercial Auto
Commercial auto insurance protects businesses from liability and physical damage related to vehicles used for business purposes. This coverage is essential for any company that owns, leases, or uses vehicles for business operations, deliveries, or employee transportation.
Who Needs This Coverage
- Businesses with company vehicles
- Delivery and courier services
- Sales professionals using vehicles
- Service contractors with work trucks
- Any business with a vehicle fleet
What's Covered
- Auto liability coverage
- Physical damage (collision and comprehensive)
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Hired and non-owned auto liability
- Trailer and equipment coverage
Frequently Asked Questions
What is commercial auto insurance and do I need it?
Commercial auto insurance covers vehicles used for business purposes. You need it if your vehicles are registered to a business, used for transporting goods or people for a fee, or regularly used by employees for work. Personal auto policies typicall…
How much does commercial auto insurance cost per vehicle?
Commercial auto insurance typically costs $1,200 to $2,400 per vehicle annually, depending on vehicle type, driver records, cargo hauled, miles driven, coverage limits, and your claims history. Fleet policies with multiple vehicles often qualify for …
What's the difference between hired and non-owned auto coverage?
Hired auto covers vehicles you rent or hire for business use. Non-owned auto covers liability when employees use their personal vehicles for business purposes. Both are essential for businesses without owned vehicles or those supplementing their flee…