Commercial auto, made simple

Commercial auto insurance built around how your business moves.

From one work vehicle to a growing fleet, commercial auto insurance can help protect your business against covered liability and vehicle-related losses from business driving. We help you evaluate your vehicles, drivers, and operations before comparing available options.

A licensed business advisor, at no cost to youOne work van to a full fleetMultiple carriers compared for you

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A cargo van loaded for the day's deliveries

Commercial auto coverage backed by carriers you know and trust

Coverage for your business vehicles

Commercial auto coverage for the vehicles that keep your business moving.

Pick the kind of business driving you do to see how coverage looks for it, then add your ZIP to start. Whether you operate a single service vehicle, several work vans, or a larger fleet, the right structure starts with how each vehicle is owned and used.

How it works

Best fit

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Keep your business on the road.

One covered accident can mean a damaged vehicle, an injured party, and a business that still has to keep running. A quick conversation shows the coverage options worth comparing for how your vehicles are used, with a licensed advisor on your side. No cost to you.

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Reviewing commercial auto coverage options

How coverage stacks

Start with the core. Then build around your business risks.

Here's the whole idea in one glance: core commercial auto coverage does most of the work, and additional coverages address how your vehicles are actually used. Some requirements can also come from state law, lenders, lessors, or customer contracts.

The simple version

Two jobs. One protection strategy.

Optional add-ons

Additional coverages

Options such as hired and non-owned liability, medical payments, or specialized coverages, based on how your vehicles are used.

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Core auto coverage

Liability plus physical damage for your covered vehicles, for covered causes of loss.

01Start with core commercial auto coverage.02Add coverage where your operations call for it.

Coverage guide

What each commercial auto coverage does.

Each part answers a different situation on the road. Here is what each one can help with, so the policy matches how your vehicles are really used, subject to policy terms.

Auto liability

Helps protect the business when a covered insured is legally responsible for bodily injury or property damage from a covered auto accident, subject to policy terms and limits. Required in most states.

Collision

Can help pay for covered damage to an insured vehicle from a collision with another vehicle or object, subject to the deductible and policy terms.

Comprehensive

Can help pay for covered non-collision damage to an insured vehicle, such as theft, vandalism, fire, certain weather losses, and other covered causes.

Medical payments

Depending on the state and policy, may help pay certain accident-related medical expenses for eligible insured persons, regardless of fault.

Uninsured and underinsured motorist coverage

Uninsured / underinsured motorist

May help protect insured persons when injuries — and property damage where applicable — result from a driver with no insurance or too little. Availability varies by state.

Personal injury protection

Where applicable, PIP can provide specified no-fault benefits that may include medical expenses and other covered losses. Requirements and benefits vary by state.

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Hired & non-owned

Your business doesn’t have to own the vehicle to have the liability exposure.

A business can face auto liability through rented, leased, hired, borrowed, or employee-owned vehicles — even when the company doesn’t own them.

Hired auto

Vehicles you rent, lease, hire, or borrow

Addresses certain liability exposures involving autos the business rents, leases, hires, or borrows, when the policy and covered-auto designation provide that protection.

Non-owned auto

Vehicles the business doesn’t own

Addresses certain business liability exposures involving autos the business doesn’t own, hire, rent, or lease — such as an employee’s personal vehicle used for company business — when coverage applies.

Personal auto is not automatically business auto. Using a personal vehicle for business can create coverage issues depending on the activity and policy, and an employee’s personal auto policy may not fully protect the business after a work-related accident. Physical damage on a vehicle also doesn’t automatically cover the tools, equipment, inventory, or cargo inside it — those may need inland marine, property, or motor truck cargo coverage.

More than the vehicle

Commercial auto is about more than the vehicle.

These are the factors insurers weigh. Thinking through them early leads to more accurate coverage.

Who drives it?

Drivers and driving history can affect eligibility, pricing, and risk selection.

Who owns it?

Business-owned, leased, rented, borrowed, and employee-owned autos can create different coverage needs.

How is it used?

Service calls, contracting, deliveries, client visits, transportation, and other operations matter.

Where does it travel?

Garaging location, operating radius, territory, and interstate activity can affect underwriting.

What does it carry?

Tools, equipment, products, passengers, or cargo can create additional insurance exposures.

What contracts apply?

Lenders, lessors, customers, shippers, or municipalities may impose insurance requirements.

Getting covered

Four steps to build the right commercial auto strategy.

No jargon, no pressure. We make protecting your business vehicles straightforward, start to finish.

Tell us how the business uses vehicles

Fill out a quote form or call us

Owned, rented, leased, or employee-owned; local, delivery, service, contracting, or transportation. Share how your vehicles are used and our team takes it from there.

Review vehicles, drivers & operations

The details insurers weigh

We review the vehicles, drivers, and operations insurers use to determine eligibility, underwriting, and pricing.

Compare coverage options

Tailored. Clear. Confident.

We compare available carriers, liability limits, physical damage, deductibles, and applicable endorsements so you can weigh what fits.

Select & maintain coverage

We’re here for you.

Choose the option that fits the business, and keep us informed when vehicles, drivers, ownership, routes, or operations change.

Start with your ZIP code →

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Trusted by businesses across 18 states.

A perfect 5.0 rating. Here is what working with us looked like for a few of them.

From the blog

Insights to help you run protected.

Plain-English guides on protecting your business and its vehicles — straight from our licensed advisors.

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Article

It can help address certain liability and physical-damage exposures from vehicles used in business — such as liability for injury or damage a covered driver causes, plus collision, comprehensive, and medical payments for covered vehicles — subject to covered autos, terms, limits, exclusions, and endorsements. Coverage may extend to employees and hired or non-owned vehicles when it applies.

Not necessarily. Personal auto policies commonly exclude regular business use, so a work-related claim can be denied. The specific policy and business activity should be reviewed; if you drive for business, a commercial auto policy is generally what responds.

Often, through hired and non-owned auto coverage. When an employee drives a personal or rented vehicle for business, this coverage may address certain liability that falls back on the business, when coverage applies.

Yes. We work with markets for owner-operators and fleets, including higher liability limits, motor carrier filings, and cargo coverage that long-haul and regional hauling can require. Specialized trucking coverages are not standard on every commercial auto policy.

It depends on your vehicles, driver records, mileage, operations, and limits. Because we are independent and compare many carriers, we help you weigh options against your operation and budget. A short conversation gives you a clearer picture.

Usually, if they are approved drivers and are operating covered vehicles for permitted business use. Carriers may review licenses, driving records, vehicle classes, and job duties.

It addresses certain business liability exposures when employees rent vehicles or use personal vehicles for company business, when coverage applies. It generally does not replace the vehicle owner's physical-damage coverage.

Commercial auto typically does not cover tools, inventory, or equipment carried in the vehicle. Inland marine or property coverage may be needed for those items.

There isn’t one universal number. The right limits depend on state requirements, customer or lender contracts, vehicle types, operations, asset exposure, and whether an umbrella applies. We help you weigh these factors rather than default to a bare minimum.

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