Commercial Auto Insurance

Protecting your business vehicles, drivers, and operations on the road

Commercial Auto Insurance provides essential protection for vehicles used in business operations — whether you have a single company car or an entire fleet. It covers accidents, injuries, property damage, and vehicle repairs, ensuring your business stays protected every time your team gets behind the wheel.

If your business owns, leases, or uses vehicles for work, Commercial Auto is a foundational coverage.

Why Businesses Carry Commercial Auto

  • Required by law — Most states mandate liability coverage for business-owned vehicles.

  • Protects your drivers and vehicles — Covers repairs, medical costs, and legal expenses after an accident.

  • Essential for credibility — Many clients and contracts require proof of commercial auto coverage.

  • Safeguards operations — Keeps your business moving even after a vehicle loss.

  • Covers business use — Personal auto policies typically exclude work-related driving.

What Commercial Auto Insurance Covers

1. Liability Coverage

Protects your business if a driver causes injury or property damage. Includes:

  • Bodily injury liability

  • Property damage liability

  • Legal defense costs

This is the core coverage required for business vehicles.

2. Collision Coverage

Pays to repair or replace your vehicle after a collision — regardless of fault. Covers accidents involving:

  • Other vehicles

  • Objects (posts, fences, buildings)

  • Single-vehicle collisions

3. Comprehensive Coverage

Protects your vehicles from non-collision events, including:

  • Theft

  • Vandalism

  • Fire

  • Weather damage (hail, wind, flooding)

  • Falling objects

  • Animal collisions

4. Medical Payments / Personal Injury Protection (PIP)

Covers medical expenses for drivers and passengers, regardless of fault. Includes:

  • Hospital bills

  • Ambulance services

  • Rehabilitation

5. Uninsured / Underinsured Motorist Coverage (UM/UIM)

Protects your business if a company vehicle is hit by a driver with no insurance or insufficient coverage. Covers:

  • Medical expenses

  • Lost wages

  • Pain and suffering

  • Vehicle damage (depending on state)

6. Hired & Non-Owned Auto (HNOA)

Critical for businesses that:

  • Rent vehicles

  • Use employee-owned vehicles for work

  • Rely on contractors or temporary drivers

Provides liability protection even when the business doesn’t own the vehicle.

Optional Add‑Ons

Commercial Auto policies can be customized with:

  • Rental reimbursement

  • Roadside assistance

  • Gap coverage (for financed or leased vehicles)

  • Cargo coverage

  • Trailer interchange coverage

  • Expanded towing limits

  • Custom equipment coverage

These endorsements tailor the policy to your industry and vehicle usage.

Who Commercial Auto Insurance Is Ideal For

Any business that owns or uses vehicles for work, including:

  • Contractors & trades

  • Delivery services

  • Retailers

  • Restaurants

  • Real estate professionals

  • Medical and service providers

  • Technology and field-service companies

  • Companies with sales teams or traveling employees

If your business drives for work, Commercial Auto is essential.

Why It Matters

Vehicle accidents can create significant financial exposure — medical bills, lawsuits, repairs, and downtime. Commercial Auto Insurance ensures your business can respond quickly, protect its drivers, and keep operations running smoothly.

It’s a cornerstone of a credible, compliant, and resilient commercial insurance program.