Commercial Auto Insurance
Comprehensive coverage for vehicles used in your business operations, from single vehicles to entire fleets
What is Commercial Auto Insurance?
Commercial Auto Insurance provides coverage for vehicles owned, leased, or used by your business. It protects against liability, physical damage, and other risks associated with business vehicle operations.
Why You Need It: Personal auto insurance typically doesn't cover vehicles used for business purposes. Commercial auto insurance provides higher liability limits and covers business-specific risks.
Whether you have a single work truck or a fleet of delivery vehicles, commercial auto insurance protects your business from the financial impact of accidents, theft, and vehicle damage.
What's Covered
Liability Coverage
Protection for bodily injury and property damage you cause to others in an accident, including legal defense costs and settlements.
Physical Damage
Collision and comprehensive coverage for damage to your vehicles from accidents, theft, vandalism, weather, and other covered perils.
Uninsured/Underinsured Motorist
Coverage for injuries and damages caused by drivers who don't have insurance or don't have enough coverage.
Medical Payments
Coverage for medical expenses for you and your passengers, regardless of who is at fault in an accident.
Hired & Non-Owned Auto
Protection for vehicles you rent or lease, and for employee-owned vehicles used for business purposes.
Cargo Coverage
Optional coverage for goods and materials being transported in your vehicles, protecting against loss or damage.
Vehicles We Cover
We provide commercial auto insurance for a wide range of business vehicles:
Pickup trucks and work vans
Box trucks and delivery vehicles
Semi-trucks and tractor-trailers
Passenger vans and shuttles
Service vehicles and utility trucks
Specialized equipment and vehicles
Common Claim Scenarios
Traffic Accidents
Your delivery driver is involved in a collision, causing damage to both vehicles and injuries to the other driver.
Vehicle Theft
One of your work trucks is stolen from a job site, along with expensive tools and equipment inside.
Weather Damage
Hail damages multiple vehicles in your fleet, requiring extensive bodywork and repairs.
Cargo Loss
Products being delivered are damaged in an accident, and your business is responsible for replacing them.
Related Insurance Products
General Liability
Protect your business from third-party claims beyond vehicle operations.
Learn More →Ready to Protect Your Fleet?
Protect your business vehicles with comprehensive commercial auto insurance. Our experts specialize in fleet coverage and can help you find the best rates.
Get A Quote