Property & Casualty — Commercial
Commercial Auto Insurance
Your business vehicles carry more than cargo — protect what's on the line.
If your business owns, leases, or regularly uses vehicles — whether a single company car or a fleet of delivery trucks — a commercial auto policy provides the liability and physical damage coverage your personal auto policy won't. We work with a broad market of commercial carriers to find policies that fit your vehicle types, driver profiles, and operational needs.
What's Covered
- Bodily injury and property damage liability for at-fault accidents
- Collision coverage for damage to your vehicles from an accident
- Comprehensive coverage for non-collision losses — theft, weather, vandalism
- Uninsured and underinsured motorist protection
- Medical payments coverage for driver and passenger injuries
- Hired and non-owned auto liability for employees using personal or rented vehicles
- Fleet policies covering multiple vehicles under a single policy
Why It Matters
A single accident involving a business vehicle can generate claims that far exceed personal auto limits. Courts often award larger verdicts when a commercial entity is involved, and your standard personal auto policy will not respond to business use. Commercial auto coverage ensures you have the right limits and the right policy when it matters most.
Common Questions
Does my personal auto policy cover my business vehicle?
Generally, no. Personal auto policies exclude business use beyond commuting. If you use a vehicle for deliveries, client visits, or hauling equipment, you need a commercial auto policy. We'll help you determine exactly where the line falls.
What is hired and non-owned auto coverage?
Hired auto covers vehicles your business rents or borrows. Non-owned auto covers employees using their personal vehicles for company business. Both are important gap-fillers even if you don't own a company vehicle.
How are commercial auto premiums calculated?
Premiums are based on vehicle type and use, driver records (MVRs), radius of operation, and coverage limits selected. Maintaining a strong safety program and driver eligibility standards can meaningfully lower your premium.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.