Protecting your business vehicles and drivers
Commercial auto insurance is essential coverage for businesses that own, lease, or use vehicles as part of their operations. Whether you operate a fleet of trucks, delivery vans, or company cars, this insurance helps protect your assets and employees on the road.
What is Commercial Auto Insurance?
Commercial auto insurance covers vehicles used for business purposes, protecting against financial losses resulting from accidents, theft, or damage. It provides liability coverage in case your driver causes injury or property damage, as well as physical damage coverage for your vehicles.
What does it cover?
- Liability coverage for bodily injury and property damage caused to others
- Collision coverage for damage to your vehicles from accidents
- Comprehensive coverage for non-collision incidents such as theft, vandalism, fire, or natural disasters
- Medical payments or personal injury protection for drivers and passengers
- Uninsured/underinsured motorist coverage for accidents involving drivers without adequate insurance
Why is it important?
Business vehicles face unique risks due to frequent use, multiple drivers, and varying cargo. Commercial auto insurance helps manage those risks and protects your business from costly lawsuits, vehicle repairs, and medical expenses.
Who needs commercial auto insurance?
Any business that uses vehicles for work—whether owned, leased, or rented—should carry commercial auto insurance. This includes construction companies, delivery services, landscapers, sales teams, and many others.
How to choose the right coverage?
- Assess the types and number of vehicles used in your business
- Understand the driving risks associated with your operations
- Consider state-required minimum coverage limits
- Work with an insurance professional to customize your policy for your business needs