Affordable insurance starts with an easy quote
Commercial Auto Insurance is essential coverage for vehicles used for business purposes. Unlike personal auto policies—which exclude business use—commercial auto insurance provides the protection your business needs when vehicles are on the road representing your company.
Many small business owners assume their personal auto policy covers occasional business use. The reality? Personal auto policies typically exclude business use entirely. If you’re in an accident while making a delivery, meeting a client, or transporting equipment—your personal insurer may deny the claim completely. Commercial auto accidents cause an average of $70,000+ in costs when injuries are involved, and you’ll be personally liable for every dollar. Whether you have company vehicles, employees driving their own cars for work, or rent vehicles occasionally, proper commercial auto coverage protects your business from devastating financial exposure. Need personal auto coverage? Explore our personal auto insurance for your family vehicles.
A “one-size-fits-all” policy doesn’t work because a delivery van faces different risks than a contractor’s work truck or a fleet of service vehicles. We match your specific vehicle use and risk profile with the carrier that protects you best.Select your vehicle type below to instantly start a custom commercial auto quote.
Vehicles making frequent stops face elevated accident risk and cargo liability concerns.
Common Examples
Cargo vans, Box trucks, Sprinter vans, Panel trucks
Contractor vehicles with mounted equipment require specialized coverage for tools and specialized bodies.
Common Examples
Pickup trucks, Service body trucks, Flatbeds, Dump trucks
Managing multiple vehicles requires fleet-focused coverage with administrative efficiency and volume discounts.
Common Examples
Sales fleets, Service companies, Transportation services, Field teams
We design Commercial Auto Insurance policies that go beyond “state minimum” to “fully protected,” safeguarding your vehicles, your drivers, and your business.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your vehicles and business.
| Feature | Basic Commercial Auto | The “Dream” Protection Plan |
|---|---|---|
| Liability Limits | ✖ State Minimum | ✔ High Limits ($1M+) |
| Hired/Non-Owned Auto | ✖ Not Included | ✔ Included (Employee vehicles covered) |
| Roadside Assistance | ✖ Not Offered | ✔ 24/7 Towing & Service |
| Rental Reimbursement | ✖ Out of Pocket | ✔ Rental Vehicle Coverage |
“How much does commercial auto insurance cost?” Premiums depend on vehicle type, driver history, coverage limits, and business use.
Many businesses overpay for commercial auto or carry inadequate coverage. We shop specialized commercial auto carriers to find the right coverage at competitive rates.
Experience the confidence shared by the businesses we protect, and let us turn these options into a clear, comprehensive protection plan for your commercial vehicles.
We’re here to help you explore your coverage options tailored to your needs.
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Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
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