Commercial Insurance

Commercial auto insurance for the vehicles that keep your business moving

Whether you run one work truck or a growing fleet, we build a plan around your drivers, vehicles, routes, contracts, and operations, then implement the coverage — because auto claims can be some of the most expensive a business faces.

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What is commercial auto insurance?

Commercial auto insurance helps protect vehicles used for business purposes — company-owned trucks, service vans, delivery vehicles, contractor trucks, business-use SUVs, trailers, and full fleets, plus certain hired or non-owned auto exposures.

It can help protect your business from claims involving bodily injury, property damage, vehicle damage, and liability connected to covered business vehicle use. In simple terms: if a vehicle is used for business, it needs to be reviewed as a business exposure.

Commercial auto coverage may include

Depending on the business, carrier, vehicle type, and policy, coverage may include:

Bodily injury liability
Property damage liability
Combined single limit liability
Uninsured / underinsured motorist
Medical payments
Comprehensive & collision
Hired auto liability
Non-owned auto liability
Rental reimbursement
Towing and labor
Auto loan / lease gap
Trailer & fleet coverage options

Commercial auto risk is not limited to vehicles the business owns. You may still have exposure if employees use personal vehicles for errands, drive to job sites or meetings, or if the business rents, leases, or borrows vehicles. According to The Hartford, hired and non-owned auto coverage can help protect a business when vehicles it does not own are used for work-related purposes.

We help you review whether you have this exposure and whether your current program addresses it properly — before an employee’s personal-vehicle accident becomes your problem.

Commercial auto pricing and coverage are affected by more than the vehicle. Carriers review driver history, age and experience, vehicle type and value, business use, radius of operation, garaging location, claims history, and fleet size. A poor driver record, missing vehicle, or unclear ownership can create coverage and pricing problems.

We help you review the details — driver screening, motor vehicle reports, vehicle schedules, and clear vehicle-use rules — before they become expensive issues.

Built for how your fleet runs

Commercial auto coverage that keeps your vehicles on the road

A parked truck doesn't bill. We structure owned, hired, and non-owned auto coverage around how your fleet actually runs, then keep an eye on the driver, mileage, and liability exposures that move your rate between renewals.

Owned, hired and non-owned in one programCompany trucks, rented box vans, and employees running errands in personal cars all create auto liability. We build symbol coverage that closes the gap instead of leaving you to find it after a wreck.
Liability limits matched to your real exposureA single at-fault crash on a busy highway can blow past a basic limit. We right-size combined-single-limit liability and layer umbrella so a serious injury claim doesn't reach your balance sheet.
Physical damage that protects the assetCollision and comprehensive on your tractors, trailers, and service vehicles, with agreed-value and rental-reimbursement options so a down unit gets back to revenue fast, not stuck in a deductible fight.
Same-day certificates and additional insuredsLessors, brokers, and shippers want proof before you roll. We turn around COIs and additional-insured or waiver-of-subrogation endorsements the same day, so a paperwork gap rarely holds up a load.

Round out your fleet's protection

Commercial auto rarely stands alone. Three ways to tighten the coverage and paperwork that ride alongside your vehicles.

Transportation & Logistics

Motor-carrier and delivery operators face DOT filings, cargo exposure, and driver-pool risk we structure beyond the auto policy itself.

See industry coverage

Umbrella & Excess Liability

A serious auto injury claim can outrun your primary limit fast. Excess liability sits on top of your fleet coverage to absorb the catastrophic hit.

Add a liability layer

Certificate Requests

Leased vehicles, broker contracts, and shippers all demand current proof of auto coverage. Request a COI or additional-insured endorsement here.

Request a certificate

Commercial auto FAQs

What is the difference between commercial and personal auto insurance?

Personal auto covers personal driving; commercial auto covers vehicles used for business — including higher liability limits, business-use classifications, and exposures like hired and non-owned autos. Using a personal policy for business vehicles can leave serious gaps and even result in denied claims.

Do I need commercial auto if employees use their own cars for work?

Often yes — through hired and non-owned auto coverage. If employees run errands, drive to job sites, or use personal vehicles for business, your business can be held liable for an accident even though it does not own the vehicle.

What does commercial auto insurance cover?

It can cover bodily injury and property damage liability, physical damage to your vehicles (comprehensive and collision), uninsured/underinsured motorist, medical payments, and add-ons like trailer coverage and hired/non-owned auto, depending on your policy.

Will a contract dictate my commercial auto limits?

Frequently. Client contracts, general contractors, and project requirements often specify minimum limits, specific auto symbols, additional insured wording, or proof that all owned vehicles are covered. We make sure your policy satisfies the contract.

Commercial auto built tough. Covered right.

Protect your drivers, vehicles, contracts, and customers with coverage built around real road risk. Request a commercial auto review today.

Request an Auto Review