What is commercial auto insurance?
Commercial auto insurance covers vehicles used for business purposes. A personal auto policy typically excludes business use, which means a claim involving a vehicle used for work can be denied under a personal policy. Commercial auto coverage is built for that use, with liability and physical damage limits suited to how a business actually operates.
Does my business need it?
If you or your employees drive for work, the answer is usually yes. That includes contractors and the trades, delivery and courier work, sales and service routes, and any business that owns vehicles or has employees driving their own vehicles on the job. It applies even if you only have one vehicle. If you are not sure where your business stands, that is a short conversation worth having before a claim forces the question.
What does commercial auto insurance cover?
A commercial auto policy generally includes liability for injuries and property damage your business vehicles cause, physical damage coverage for the vehicles themselves, and options such as coverage for employees driving their own cars for work. The right structure depends on your industry, your vehicles, and who is behind the wheel. We build the policy around those specifics rather than a generic template.