Commercial Auto Insurance
Broader coverage for vehicles you use for business.
If you're like most business owners, the line between work and home is blurry. Even if you have just one vehicle for all your needs, you're exposed to different risks when driving for business than when driving personally — and a commercial auto policy offers broader coverage.
Coverages
Liability
Auto liability covers legal costs if someone sues over damage caused by your vehicle.
Medical Payments
Covers medical payments tied to accidents.
Collision
Pays to repair damage to your vehicle from a collision with another vehicle.
Comprehensive
Pays for theft and damage from other causes, such as vandalism.
Uninsured Driver
Protects you if an uninsured driver injures the driver or passengers of your vehicle, and can cover damage to your vehicle.
Vehicles a small-business auto policy can cover
Personal autos with advertising
Limousines
Vans & pickups
Buses
Food trucks
RVs
Emergency vehicles
Delivery & cargo vans
Tow trucks
Passenger vans
Box trucks
Flatbed trucks
You may need a commercial auto policy if you
Deliver goods
Including pizza, flowers, or other products.
Provide a service
That involves the regular use of a vehicle.
Carry work equipment
Such as cleaning or landscaping tools.
Frequently asked questions
Do I need commercial auto if I use my personal car for work?+
Often yes — you face different risks driving for business, and personal auto policies may exclude business use like deliveries or carrying work equipment.
What vehicles can a commercial auto policy cover?+
Cars with advertising, vans, pickups, box trucks, food trucks, limos, buses, tow trucks, and more.
What does commercial auto cover?+
Liability, medical payments, collision, comprehensive, and uninsured-driver coverage.
Ready to get protected?
Let's talk about your coverage needs. We shop the market for the best policy at the best price.