Business Insurance
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Commercial Auto Insurance That Protects Your Business on the Road
From startups to established companies, Business Insurance safeguards what you’ve worked hard to build, so you can focus on growth with confidence.
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Why you Need Commercial Auto Insurance
Commercial auto insurance is car insurance for business use. If you or your employees drive vehicles for work, you need this instead of, or in addition to, personal auto insurance.
Personal policies usually don’t cover accidents that happen while the car is being used for business purposes. That’s where commercial auto kicks in.
Why Commercial Auto Insurance Matters for Your Business?
Personal auto insurance won’t cover business use.
Protection against accidents, liability, and property damage.
Compliance with state and lender requirements.
What Types of Business Insurance Do You Need?
We offer customized Business Insurance packages, no matter your industry, size, and risk profile.
General Liability Insurance
Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.
Commercial Property Insurance
Covers buildings, inventory, furniture, and business equipment.
Available as part of a Business Owners Policy (BOP).
Business Owners Policy (BOP)
Combines general liability + property + loss of income.
Ideal for small to midsize businesses.
Professional Liability (E&O)
Covers mistakes, errors, or omissions in your work.
Essential for consultants, real estate pros, and service-based businesses.
Commercial Auto Insurance
Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.
Workers Compensation
Mandatory in most states once you hire employees.
Covers work injuries, medical costs, and lost wages.
Cyber Liability Insurance
Protects against hacking, data breaches, and digital theft.
Highly recommended for businesses with customer data or e-commerce.
Umbrella Liability Insurance
Adds extra liability coverage above all other policies.
Protects your assets from major lawsuits or claims.
Commercial Auto Coverage Options
Protect your business vehicles, drivers, and cargo with coverage tailored for real-world risks.
Liability Coverage
Bodily injury & property damage protection.
Collision Coverage
Repairs your vehicle after an accident.
Comprehensive
Non-collision damage protection.
Medical Payments
Coverage for driver & passenger injuries.
Uninsured/Underinsured Motorist
Protects against drivers with little or no insurance.
Hired Auto
For vehicles you lease, rent, or borrow.
Non-Owned Auto
Covers employee-owned vehicles used for work.
Towing & Labor
Roadside help when vehicles break down.
Rental Reimbursement
Keep moving after a covered accident.
Cargo & Equipment
Optional add-on for goods and tools.
Tailored Coverage for Every Industry
Construction & Contracting
Contractors, electricians, plumbers, HVAC, and other trade professionals.
Delivery & Logistics
Couriers, freight carriers, last-mile delivery, and trucking companies.
Landscaping & Lawn Care
Protection for landscaping and lawn maintenance service vehicles.
Cleaning Services
Coverage for commercial and residential cleaning fleets.
Real Estate & Property Management
Agents, brokers, inspectors, and property management vehicles.
Sales & Service Professionals
Pharmaceutical reps, consultants, and outside sales teams.
Retail & Wholesale
Businesses using company vehicles for deliveries or distribution.
Healthcare & Medical Services
Home health aides, mobile clinics, and patient transport vans.
Food & Beverage
Catering services, food trucks, and beverage distributors.
Manufacturing & Supply
Companies transporting goods, raw materials, and equipment.
Nonprofits & Community
Organizations with outreach vehicles and transport services.
Government & Municipalities
Utility, service, and transport fleets for public services.
Agriculture & Farming
Farm trucks, transport vehicles, and equipment movers.
Don't see Your Business?
OnePoint covers additional business types not listed
Learn More About Business Insurance
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Industry-Specific Insurance Solutions
Retail & E‑commerce
Solutions for online and physical stores to boost sales and streamline operations.
Read More →Restaurants & Food Services
Tools to attract diners, manage bookings, and grow your food business.
Read More →Real Estate & Property Management
Support for agents, brokers, and managers to close deals faster.
Read More →Construction & Contracting
Build stronger client relationships and manage projects efficiently.
Read More →Nonprofits & Religious Organizations
Engage communities, manage donations, and grow your mission.
Read More →Beauty & Wellness
Solutions for salons, spas, and barbershops to attract and retain clients.
Read More →Professional Services
For legal, finance, and consulting firms to manage clients effectively.
Read More →Healthcare, Manufacturing, Energy
Industry solutions to scale operations and serve clients better.
Read More →Don’t see your industry? We probably cover it. Ask us
Why Businesses Trust OnePoint Insurance Agency
Fast, personalized quotes
Affordable plans with flexible options
Dedicated agents who understand small businesses
Claims support when you need it most
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At OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Questions
Do I really need commercial auto insurance if I already have personal auto insurance?
Yes. Personal auto insurance typically excludes coverage for business use. If you get into an accident while driving for work, your personal policy may deny the claim.
Who needs commercial auto insurance?
Any business or self-employed professional who owns, leases, or uses vehicles for work. This includes contractors, delivery drivers, real estate agents, landscapers, caterers, and more.
What vehicles can be covered under a commercial auto policy?
Cars, vans, pickup trucks, box trucks, food trucks, semi-trucks, and even trailers depending on your insurer and business needs.
How much does commercial auto insurance cost?
It varies based on factors like the type of vehicle, number of drivers, driving records, location, and coverage limits. On average, small business policies may start as low as $100–$200 per month per vehicle.
Can employees use their personal cars for work under my policy?
Not automatically. You’d need “Non-Owned Auto Coverage” to protect your business if employees use their own vehicles for business errands (like deliveries or client visits).
Does commercial auto insurance cover my tools, equipment, or cargo inside the vehicle?
Not usually. That would require add-on coverage such as inland marine or cargo insurance. Standard commercial auto focuses on liability and vehicle protection.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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