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 protects your business when employees use rental cars or personal vehicles for work purposes.

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.