What it covers
- Liability — injuries and damage your vehicles cause, at the limits business contracts actually require.
- Physical damage — collision and comprehensive on your trucks, vans, and equipment-laden vehicles.
- Hired & non-owned auto — rented vehicles and employees driving their own cars on company business; the gap that bites businesses most often.
- Medical payments & uninsured motorist — your people, protected from the drivers who aren't.
Who needs it
Contractors and trades with trucks full of tools. Restaurants and shops that deliver. Sales teams on the road. Property managers, landscapers, couriers, mobile services — and anyone whose lease or contract demands proof of commercial auto. Single vehicle or a growing fleet, we price it across the market.
Need it paired with the rest of the business package? Start at business insurance — commercial auto rates best when the whole account shops together.
Frequently asked questions
Do I really need a commercial auto policy instead of my personal one?
If a vehicle is titled to the business, wrapped in your logo, or used for the work itself — deliveries, job sites, hauling tools or product — personal auto carriers can deny the claim. Commercial auto exists precisely for that use, and it's built to carry the higher limits business contracts ask for.
My employees sometimes run errands in their own cars. Is the business exposed?
Yes — if an employee causes an accident on company business, the business usually gets named in the suit regardless of whose car it was. Hired and non-owned auto coverage is the standard fix, and it's one of the cheapest line items on a business policy.
Can you handle a fleet, or just a truck or two?
Both. One pickup or dozens of vehicles — we shop fleets across carriers, and as the count grows, so do the rating options. Clean driver lists and telematics programs can move pricing meaningfully.
What limits do contracts usually require?
Many commercial contracts and landlords ask for a combined single limit of $1 million, sometimes backed by an umbrella. We'll read what your contract actually requires and quote to that, instead of guessing high or coming up short.