Commercial Auto Insurance

Commercial auto insurance covers business vehicles, delivery vans, and fleet trucks. Liability, collision, and comprehensive coverage from RISKX.

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 Commercial Auto Insurance Covers

Liability Coverage

Commercial auto liability covers the other party's medical bills, vehicle repairs, and your legal defense costs.

Collision & Comprehensive

Collision covers accident damage to your vehicle. Comprehensive covers non-collision events like theft, vandalism, weather, and animal strikes.

Hired & Non-Owned Auto

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 Coverage?

Any business that owns vehicles, has employees who drive for work, or uses rental vehicles for business purposes.

What Happens Without It

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. 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

A landscaping crew's truck is stolen from a job site overnight. The truck is worth $45,000 and contains $8,000 in equipment. Commercial auto comprehensive coverage replaces the truck. A separate tools & equipment policy covers the stolen gear.

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]