Commercial Auto

Commercial Auto Insurance protects vehicles used for business purposes. It helps cover accidents, injuries, vehicle damage, and legal costs when your business vehicle is involved in a covered loss.

If you use a vehicle for work — such as transporting goods, tools, or people — personal auto insurance may NOT cover you. Commercial Auto may be required.

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What Does Commercial Auto Cover?

1. Liability Coverage (Required)

Pays for injury or damage you cause to others in an accident.

Bodily Injury
Property Damage
Legal & lawsuit costs

2. Physical Damage (Your Vehicle)

Collision:
Covers damage to your vehicle after an accident (at fault or not).

Comprehensive:
Covers theft, fire, vandalism, storm, falling objects, animal hit.

3. Medical Payments / PIP

Helps pay medical bills for driver and passengers after an accident.

4. Uninsured / Underinsured Motorist

Protects you if the other driver has no insurance or not enough.

5. Hired & Non-Owned Auto (Optional)

Covers:

Rental vehicles used for business
Employee vehicles used for business work

What Affects the Cost?

Type of business
Vehicle type (car, van, truck, heavy truck)
Driving history
Number of vehicles / drivers
Coverage limits & deductible
Business location

We help you find the right coverage at the best price.

You may need Commercial Auto if you:

Own a business vehicle
Use your car for business work
Transport tools, equipment, or products
Have employees who drive for your business
Own trucks, vans, or company cars
Do delivery, construction, contractor, or service work

Examples:

Contractors / Handyman
Trucking / Delivery
Cleaning services
Electricians / Plumbers
Landscaping
Rideshare / Business use vehicles

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