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Commercial Insurance

Commercial Auto Insurance —Coverage Your Personal Policy Won't Provide

The moment a vehicle is used for business — deliveries, client visits, job sites — your personal auto policy typically won't cover it. Commercial auto protects your vehicles, your drivers, and your business from the financial consequences of an accident.

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Why your personal auto policy isn't enough

This is the most common — and most costly — mistake business owners make. Personal auto policies have explicit exclusions for business use. The moment you or an employee uses a vehicle for work, you're in a gap.

Commercial Auto Liability

Pays for bodily injury and property damage you cause to others while operating a business vehicle. Required in most states for commercial vehicles and often required by contracts.

Collision & Comprehensive

Covers physical damage to your vehicles — from accidents, theft, vandalism, weather, and other hazards. Essential if you're financing or leasing vehicles.

Hired & Non-Owned Auto (HNOA)

Critical for businesses where employees use personal vehicles for work. HNOA covers liability gaps when a personal vehicle is used for business purposes — even if you don't own a single company vehicle.

Uninsured Motorist

Protects your business and employees when an at-fault driver has no insurance or insufficient coverage to pay for your damages.

Medical Payments

Covers medical expenses for you and your passengers regardless of fault — no waiting for liability disputes to be resolved.

Commercial Auto Coverage Options

Build the right program for your fleet — from a single work truck to a multi-state commercial fleet.

Most Common

Commercial Auto Liability

The foundation of any commercial auto program. Required in most states for business-use vehicles, with higher limits typically needed than personal policies.

  • Bodily injury liability
  • Property damage liability
  • Combined single limit (CSL) options
  • State minimum filing available
Most Common

Physical Damage

Comprehensive and collision coverage for your vehicles. Required if you're financing. Covers accident damage, theft, hail, flood, and more.

  • Collision coverage
  • Comprehensive (other than collision)
  • Agreed value or stated value options
  • Rental reimbursement available

Hired & Non-Owned Auto

Covers liability when employees use personal or rented vehicles for business. Often overlooked — and often the source of uncovered claims.

  • Employee-owned vehicle business use
  • Rental vehicles
  • Can be standalone or added to CGL
  • No owned vehicles required

Fleet Programs

Five or more vehicles? A fleet program offers consolidated billing, unified limits, and often lower per-unit rates than insuring vehicles individually.

  • Unified policy for all vehicles
  • Driver qualification programs
  • Telematics and fleet tracking discounts
  • Scalable as fleet grows

Medical Payments / PIP

Pays medical expenses for occupants of your vehicle regardless of fault. Required in no-fault states; recommended everywhere else.

  • Covers driver and passengers
  • No fault determination required
  • Faster claim resolution
  • Required in some states

Uninsured / Underinsured Motorist

Protection when an at-fault driver has no insurance or insufficient coverage. More important than ever given rising rates of uninsured drivers nationwide.

  • Bodily injury UM/UIM
  • Property damage UM
  • Stacking options in some states
  • Covers hit-and-run incidents

Common Business Types We Cover

Contractors & Trades

Work trucks, vans, and equipment transport for general contractors, plumbers, electricians, HVAC, landscapers, and other trade businesses.

Healthcare & Home Services

Home health aides, visiting nurses, in-home service providers, and medical transport operations.

Delivery & Distribution

Last-mile delivery, courier services, food distribution, and wholesale delivery operations — from small vans to full delivery fleets.

Technology & Professional Services

Consultants, IT professionals, and service providers who drive to client locations for meetings or on-site work.

Real Estate & Property Management

Agent and property manager vehicles used for client visits, property showings, and site inspections.

Multi-State Fleets

Businesses with vehicles operating across state lines need coordinated coverage that meets each state's requirements.

Common Questions

  • A personal auto policy will not cover your truck when it's being used for business purposes. If you get into an accident while making a business delivery or driving to a job site, your personal insurer can deny the claim. A commercial auto policy covers both personal and business use.

  • A BOP bundles general liability and property coverage — it does not include commercial auto. Vehicles almost always need to be insured on a separate commercial auto policy.

  • Yes — you need Hired and Non-Owned Auto (HNOA) coverage. If an employee gets into an accident while running an errand for your business in their personal vehicle, your business can be held liable. Their personal auto policy may deny the claim. HNOA fills that gap.

  • It depends on the complexity of your risk. Standard commercial auto — a small number of business vehicles with clean driving records — can often be quoted quickly. Larger fleets, specialty vehicles, higher-risk classifications, or accounts with prior losses may require more underwriting time. We'll give you a realistic timeline when we take your information.

  • Yes. We write commercial auto across all vehicle types including pickup trucks, cargo vans, medium and heavy trucks, trailers, and fleets of any size. We have carrier access for standard, specialty, and non-standard commercial auto risks.