Commercial Auto Insurance

Running a business involves countless moving parts, and your commercial vehicles are often essential to your operations. Commercial auto insurance protects your business vehicles and drivers from the unexpected.

Why Personal Auto Insurance Isn't Enough

If you use your vehicle for business purposes, your personal auto insurance may not cover accidents that occur during work activities. Commercial auto insurance is specifically designed to cover business-related vehicle use, providing proper protection for your company.

What Commercial Auto Insurance Covers

Commercial auto policies typically include liability coverage, collision coverage, comprehensive coverage, medical payments, and uninsured/underinsured motorist coverage. You can also add specialized coverage for cargo, hired vehicles, and non-owned vehicles.

Who Needs Commercial Auto Insurance?

Any business that uses vehicles for work purposes should consider commercial auto insurance. This includes delivery services, contractors, real estate agents, salespeople, and any business with a fleet of vehicles. Even if you use your personal vehicle for business errands, you may need commercial coverage.

Factors That Affect Your Premium

Your commercial auto insurance premium depends on several factors, including the type of vehicles, how they're used, driving records of employees, coverage limits, and your business location. Working with an experienced insurance agent can help you find the right balance of coverage and cost.