Coverage Guide
Commercial Auto Insurance
Your personal auto policy won't cover business use.
Commercial auto insurance covers vehicles owned or used by your business. It protects against liability claims, collision damage, and medical payments when company vehicles are involved in accidents — coverage that personal auto policies explicitly exclude.
What It Covers.
Liability Coverage
The Risk
Your employee causes an accident while driving a company vehicle. The other driver's car is totaled and they're injured.
The Solution
Commercial auto liability covers the other party's medical bills, vehicle repairs, and your legal defense costs.
Collision & Comprehensive
The Risk
A company truck is damaged in a hailstorm, or a delivery van rear-ends another vehicle at a stoplight.
The Solution
Collision covers accident damage to your vehicle. Comprehensive covers non-collision events like theft, vandalism, weather, and animal strikes.
Hired & Non-Owned Auto
The Risk
An employee uses their personal car for a business errand and causes an accident. The injured party sues your company.
The Solution
Hired and non-owned auto coverage provides liability protection when employees use rental cars or personal vehicles for work purposes. Note: this covers liability only — physical damage to the rented or personal vehicle requires separate coverage.
Who Needs This?
Any business that owns vehicles, has employees who drive for work, or uses rental vehicles for business purposes.
- Contractors and service companies with work trucks
- Delivery and courier services
- Sales teams that drive to client meetings
- Any business with a company car or fleet
What Happens Without It?
Scenario
Your technician causes a multi-vehicle accident while driving to a job site in a company van. Three people are injured, and total damages exceed $300,000.
Consequence
Your personal auto policy won't cover it — business use is excluded. Without commercial auto, your business is liable for every dollar of medical bills, vehicle repairs, and legal fees.
Real-World Example.
Situation
A landscaping crew's truck is stolen from a job site overnight. The truck is worth $45,000 and contains $8,000 in equipment.
Outcome With Coverage
Commercial auto comprehensive coverage replaces the truck. A separate tools & equipment policy covers the stolen gear.
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Related Coverages.
Often paired with Commercial Auto for comprehensive protection.
See It in Action.
Real-world scenarios where Commercial Auto made the difference.
A Landscaping Company's $450K Commercial Auto Claim
A crew truck rear-ended a vehicle on the highway. Commercial auto with proper limits covered the $450K in damages and medical bills.
Read Case StudyA Trucking Company's $620K Cargo Spill and Highway Cleanup Claim
A flatbed lost its load on I-10, shutting down three lanes for six hours. Commercial auto and cargo coverage handled the $620K in damages and cleanup.
Read Case StudyDisclaimer: The coverage descriptions on this page are general summaries intended for informational purposes only. They do not constitute insurance advice, nor do they modify, amend, or supplement any insurance policy. Actual policy terms, conditions, exclusions, and limitations vary by carrier, state, and individual risk profile. Please refer to your specific policy documents for complete details, or contact us to discuss your coverage needs with a licensed agent.