Commercial Auto Insurance
If your business relies on vehicles—whether for deliveries, transporting equipment, or meeting with clients—you’ll likely need a business auto insurance policy. Also known as commercial auto insurance, this coverage helps protect your business from the financial impact of accidents, injuries, or property damage while vehicles are used for work.
What is commercial auto insurance?
A commercial auto policy typically includes:
Liability coverage – for injuries or property damage caused to others
Collision and comprehensive coverage – for damage to your business vehicle
Medical payments or personal injury protection – for driver and passenger injuries
Uninsured/underinsured motorist coverage – in case another driver lacks sufficient coverage
Coverage can be tailored to meet the needs of your business and comply with state requirements.
What vehicles are covered?
Business auto insurance can cover a wide range of vehicles used for business purposes, including:
Sedans, SUVs, and pickup trucks
Cargo vans and service vehicles
Delivery trucks and box trucks
Food trucks and catering vans
Contractor and construction vehicles
Fleets of various sizes
Policies are customizable based on the type of vehicle and how it's used in your operations.
Do I need business auto insurance?
If you're using a vehicle for anything beyond personal commuting—such as transporting tools, goods, or clients—your personal auto policy likely won’t provide coverage. This is especially important if the vehicle is registered to a business name, which typically requires a business auto policy. Business auto insurance is designed to handle work-related risks and may also be required by state law or by contracts with vendors, partners, or clients.
What’s the difference between personal and business auto insurance?
While personal auto insurance covers everyday driving, it usually excludes incidents that happen while using a vehicle for business purposes. Commercial (or business) auto insurance offers higher liability limits, broader coverage, and flexibility for multiple drivers or vehicle types. If driving is part of the job, this type of policy helps ensure you're properly protected.