Commercial auto insurance
Coverage for the vehicles your business owns, leases or uses, from a single work truck to a full fleet, plus protection when employees drive their own cars for work.
What it generally covers
- Liability for injuries and property damage your business vehicles cause
- Physical damage to your vehicles (collision and comprehensive)
- Medical payments and uninsured/underinsured motorist options
- Hired and non-owned auto for rented vehicles and employees' own cars
Who usually asks about it
- Businesses with vehicles titled to the company
- Owners who use a personal vehicle for business errands
- Teams where employees drive their own cars for work
- Contracts that require specific auto limits on a certificate
Common questions
Does my personal auto policy cover business use?
It depends on the policy and how the vehicle is used. Many personal policies limit business use, so it's worth reviewing with a licensed agent.
What is hired and non-owned auto?
Liability coverage for vehicles your business rents, or that employees drive for work, when the business doesn't own them.
What do you need to quote it?
Typically your current declarations pages, a list of vehicles and drivers, and loss runs from your current carrier.
General information only. Coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits your situation.