Business Insurance
Commercial Auto
Coverage for the vehicles your business owns, leases, hires, or borrows.
Coverage overview
Commercial auto insurance can protect vehicles owned, leased, hired, or non-owned by a business, with liability and physical damage coverages similar in structure to personal auto but built for business use.
Personal auto policies generally exclude many business uses, so a commercial policy is often required when vehicles are used for work.
Who may need this coverage
- Businesses that own vehicles used for work
- Companies whose employees drive for business
- Contractors and trades with work trucks or vans
- Businesses that deliver goods or transport equipment
Common coverage considerations
- Liability, physical damage, medical payments, and uninsured motorist
- Hired and non-owned auto exposure
- Fleet vs. individually scheduled vehicles
- Business use classification and radius of operation
- Drivers and their motor vehicle records
What may not be covered
- Personal use excluded by the policy
- Wear, breakdown, and maintenance
- Cargo beyond scheduled or endorsed limits
- Employee injuries (workers' compensation)
Factors that may affect price or eligibility
- The vehicles, their use, and how far they travel
- Drivers and their records
- Coverage limits, deductibles, and cargo needs
- Industry and claims history
Information commonly needed for a quote
- Year, make, model, and VIN for each vehicle
- Driver names and license details
- How the vehicles are used and typical radius
- Any current coverage and claims history
A practical example
An employee driving a company van is at fault in a parking-lot collision. Commercial auto liability may respond to the third-party damage, and physical damage coverage may help repair the van (subject to the deductible), depending on the policy.
Questions to ask a licensed professional
- Do I need hired and non-owned auto coverage?
- Which vehicles and drivers should be scheduled?
- What liability limit is appropriate for my operations?
- How is business use classified for my vehicles?
Frequently asked questions
This page is a general educational summary and does not change, replace, or create insurance coverage. Coverage terms, conditions, limits, exclusions, eligibility, and availability vary by policy, carrier, state, and underwriting requirements. Coverage is not effective unless confirmed in writing by an authorized insurance carrier or properly licensed insurance professional.
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