Commercial Auto Insurance Built for Business

On the road, on the job, always protected

Why Your Business Needs Commercial Auto Insurance

If you use vehicles for work — whether it’s a single pickup or a fleet of vans — personal auto insurance likely won’t cover accidents or claims. Commercial auto insurance protects your drivers, vehicles, and business from the real risks of the road.

01

Liability Protection

Covers damage or injuries caused to others while using a company-owned vehicle, keeping your business out of legal and financial trouble.

02

Vehicle Damage Coverage

Pays to repair or replace your work vehicles if they’re damaged in an accident, stolen, or vandalized — minimizing downtime and disruption.

03

Driver & Passenger Injury

Provides medical payments coverage for employees or others in your vehicle if they’re hurt while working.

04

Coverage Beyond Personal Auto

Covers business use that personal policies exclude — like deliveries, job site travel, and transporting tools or equipment.

05

Contract Compliance

Meets insurance requirements for government contracts, vendor relationships, and licensing boards that require proof of vehicle coverage.

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More Than Just a Policy

Your wheels are your business

We help you build a policy that matches how you actually use your vehicles — from routes to risks. Whether you own one truck or twenty, we make sure your coverage keeps up with your business.

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Commercial Auto Insurance Explained

We take on the tough cases and deliver smart solutions

From job site commutes to last-mile deliveries, your vehicles keep your business running. These FAQs cover what owners like you want to know when protecting their teams and assets.

  • What’s the difference between personal and commercial auto insurance?

    Personal auto insurance typically excludes business use. If you're driving for deliveries, transporting tools, or sending employees out in company vehicles, you need a commercial auto policy.

  • Who is covered under my commercial auto policy?

    Coverage can extend to your employees, designated drivers, and sometimes others using your vehicles for business purposes — depending on your policy.

  • Do I need coverage if I lease or finance my business vehicles?

    Yes. In fact, most lenders require commercial auto coverage. It also protects your investment if there’s an accident or loss.

  • Can I get coverage for employee-owned vehicles used for work?

    Yes, that would typically fall under “hired and non-owned auto” coverage. We’ll help you add it if your business relies on those vehicles.

  • What vehicles are eligible?

    Most work vehicles — including pickups, vans, box trucks, and service cars — can be covered under a commercial auto policy. We’ll help you list and insure what you need.