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Commercial Auto Insurance
Personal auto policies usually exclude vehicles used mainly for business, a gap many owners don't see until there's a claim. We compare commercial auto from several companies for cars, vans, pickups and box trucks, make sure every vehicle and driver is listed right, and check whether you need coverage for employees who drive their own cars for work. Call or text and tell us what you drive.
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What It Covers
What Commercial Auto Includes
Exact coverage depends on the policy and the insurance company. We walk you through yours before you buy.
- Liability for injuries and damage your vehicles cause
- Physical damage to your vehicles
- Uninsured and underinsured motorist
- Medical payments
- Rentals and employees' own cars used for work
Good to Know
Before You Buy
Who drives, what you drive and how each vehicle is titled all shape your policy. We go through each point with you before you buy.
- Titled vehicles. Vehicles titled to the business usually need a commercial policy.
- Employee cars. Hired and non-owned auto coverage protects the business when employees run errands in their own cars.
- Driver records. Driver records affect price, so it helps to review who's listed before you buy.
- Liability limits. Contracts often ask for $1 million in auto liability. Many state minimums are far lower.
- Tools and equipment. Tools and equipment in a vehicle usually aren't covered by auto. They need equipment coverage of their own.
- Heavy trucks. Heavy trucks and hauling for hire are a separate market, covered on our Trucking page.
Pair It With
Gaps Fleet Owners Often Miss
Commercial auto covers your vehicles. These need their own coverage, and we check for each one when we quote.
One Accident Can Go Past Your Auto Limits
A serious crash can lead to a claim bigger than your auto policy. An umbrella adds a layer above it.
Driver Injuries Fall Under Workers Comp
Injuries to employees who drive for you are usually a workers comp claim, not an auto claim.
Hauling for Hire Needs Trucking Coverage
If you haul freight for others, you likely need a trucking policy and filings, not just commercial auto.
Auto Doesn't Cover Your Other Operations
What happens at your shop or on a job site needs general liability.
Tools in Your Vehicles Need Coverage
Commercial auto covers the vehicle, not what's inside it. Tools and equipment need their own coverage.
Your Personal Cars Need Their Own Policy
Your business policy covers business vehicles. The family cars at home need personal auto, and we can quote both.
More Business Insurance
Other Business Options
Let's Look at Your Business.
Final approval and pricing are set by the insurance company.