Commercial insurance
Commercial auto insurance
If vehicles are used for business, a personal auto policy may not respond to a claim. Commercial auto covers the vehicles, the drivers, and the business behind them.
What it typically covers
- Liability for accidents involving business vehicles
- Physical damage to owned vehicles
- Hired and non-owned auto — employees driving their own vehicles for work
- Trailers and permanently attached equipment
- Uninsured and underinsured motorist coverage
Who needs it
- Any business with titled vehicles
- Trades and contractors with trucks, trailers, or equipment
- Businesses whose employees run errands, make deliveries, or drive to job sites in personal vehicles
- Anyone who's been told by a client that their auto limits are insufficient
Common questions
Potentially. Personal auto policies often exclude business use, and that exclusion tends to surface at claim time. Tell us how the vehicle is actually used.
Often yes — hired and non-owned auto coverage exists specifically for this and is frequently missing.
Usually not, especially if it's lettered, carries equipment, or is titled to the business.
You insure the business. Has anyone looked at the whole picture?
Coverage, benefits, key people, retirement, and what eventually happens to the company — reviewed together, once a year.
The Owner's Table
Request a commercial auto quote
If vehicles are used for business, a personal auto policy may not respond to a claim. Commercial auto covers the vehicles, the drivers, and the business behind them.
Request a commercial auto quote