Commercial Auto Insurance
Protect your business vehicles with comprehensive commercial auto insurance covering liability, collision, and more.
What is Commercial Auto Insurance?
Commercial auto insurance provides coverage for vehicles used for business purposes. Whether you have a single company car or an entire fleet of delivery trucks, this insurance protects your business from financial loss due to accidents, theft, and damage.
Unlike personal auto insurance, commercial policies offer higher liability limits and cover multiple drivers, making them essential for businesses that rely on vehicles for operations.
What Does Commercial Auto Cover?
Liability Coverage
Pays for bodily injury and property damage you cause to others in an accident. Required by law in most states.
Collision Coverage
Covers damage to your vehicle from collisions with other vehicles or objects, regardless of fault.
Comprehensive Coverage
Protection against non-collision damage like theft, vandalism, fire, weather, and falling objects.
Uninsured/Underinsured Motorist
Covers your damages when the at-fault driver has no insurance or insufficient coverage.
Medical Payments
Pays medical expenses for you and your passengers after an accident, regardless of fault.
Who Needs Commercial Auto Insurance?
You need commercial auto insurance if you use vehicles for business purposes:
Commercial vs. Personal Auto Insurance
Commercial Auto
- ✓Business use of vehicles
- ✓Multiple drivers covered
- ✓Higher liability limits
- ✓Covers cargo and equipment
- ✓Fleet discounts available
Personal Auto
- ✓Personal use only
- ✓Named drivers only
- ✓Standard liability limits
- ✓Personal belongings only
- ✓Multi-car discounts
Important: Using a personal auto policy for business purposes may void your coverage and leave you financially exposed.
Types of Commercial Vehicles Covered
Passenger Vehicles
Cars, SUVs, minivans
Light Trucks
Pickups, cargo vans
Heavy Trucks
Box trucks, semis
How Much Does It Cost?
Commercial auto insurance costs depend on:
- •Vehicle type: Larger, heavier vehicles cost more to insure
- •Business use: Delivery and transport have higher rates
- •Driver records: Clean driving history lowers premiums
- •Coverage limits: Higher limits increase costs
- •Location: Urban areas typically have higher rates
$1,200 - $2,500/year
Average cost per vehicle for small businesses
What's NOT Covered
Commercial auto insurance typically does NOT cover:
- ×Personal use of business vehicles (in most cases)
- ×Intentional damage or illegal activities
- ×Normal wear and tear or mechanical breakdowns
- ×Specialized cargo (may need inland marine insurance)
- ×Rental vehicle reimbursement (unless added as endorsement)
Get Your Quote
Compare commercial auto rates and protect your business vehicles today.
What coverage level do you need?
Choose the protection that matches your requirements