Commercial auto covers vehicles titled to the business — pickups, vans, box trucks, service vehicles and company cars — along with employees who drive them. It also addresses the gap when staff use their own cars for work.
We compare commercial carriers that specialize in your industry, review your driver list and vehicle schedule, and set limits that satisfy contracts and lenders.
What commercial auto can include
- Auto liabilityInjuries and property damage caused by your business vehicles. Higher limits are often required by contracts.
- Physical damage (collision & comprehensive)Repairs or replaces your owned vehicles after accidents, theft, weather and vandalism.
- Hired & non-owned autoLiability coverage when employees drive personal or rented vehicles for business.
- Uninsured / underinsured motoristProtects your drivers when the other party lacks adequate insurance.
- Medical paymentsMedical expenses for drivers and passengers in your vehicles.
- Cargo, tools & equipmentOptional coverage for materials and equipment carried in your vehicles.
Who this is for
- Contractors, landscapers, plumbers and electricians
- Delivery, courier and food-service operations
- Companies whose employees drive their own cars for work
- Businesses with trailers, box trucks or specialty vehicles
- Owners who need certificates for job sites and lenders
Common questions
Can I just use my personal auto policy for my work truck?
Usually not. Personal policies exclude most business use and a claim could be denied. A commercial policy is designed for the way you use the vehicle.
What is hired and non-owned coverage?
It protects the business when employees use personal or rented vehicles for company errands or travel. It is inexpensive and frequently overlooked.
How are commercial auto rates determined?
Vehicle type and weight, radius of operation, driver records, industry, and the limits you select all play a role. Clean driving records and telematics programs can lower costs.