Commercial auto
If your business owns, leases or relies on vehicles, a personal auto policy usually won't respond to a claim. Commercial auto covers your vehicles, your drivers and your liability on the road.
What does commercial auto cover?
Commercial auto insurance covers liability for accidents caused by vehicles your business owns or uses, plus damage to those vehicles (comprehensive and collision), medical payments and uninsured or underinsured motorists. Hired and non-owned auto coverage protects the business when employees use their own cars or rentals for work errands, which many businesses overlook. Some trucks and interstate operations also need federal or state filings.
What it covers
Liability
Injuries and property damage your vehicles cause to others, with limits that match your contracts.
Physical damage
Comprehensive and collision for your own vehicles, including leased ones.
Hired and non-owned auto
Covers the business when employees drive their own cars or rentals on company business.
Uninsured motorists
Protection when the other driver has little or no insurance.
Driver reviews
We help you set driver standards and review motor vehicle records, which carriers look at closely.
Fleets and filings
Multi-vehicle fleets, trailers, and the filings some trucks need to operate.
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Frequently asked questions
Do I need commercial auto if I use my personal car for work?
Personal auto policies often exclude business use, or limit it. If you drive for work regularly, carry tools or equipment, or have employees driving for you, talk with us before a claim finds the gap.
What is hired and non-owned auto coverage?
Liability coverage for the business when an employee is in an accident while using their own car or a rental for work. It's inexpensive and often added to a general liability policy or BOP.
How can we lower our commercial auto premium?
Careful driver selection, regular motor vehicle record checks, a written vehicle-use policy, telematics and the right deductibles all help. Premiums depend heavily on driving records.
Quote your business vehicles
Send us your vehicle and driver list and we'll compare carriers.