Overview of Commercial Auto Insurance
Commercial auto insurance covers vehicles used for business, including liability for injury and damage you cause, physical damage to your vehicles, medical payments, and uninsured motorist coverage. It can extend to hired and non-owned vehicles and manage a full fleet under one program. Personal auto policies typically exclude regular business use, so this coverage fills that gap.
If your business drives, whether it is one van or a full fleet, commercial auto insurance protects the vehicles, the drivers, and the operation behind them. Personal auto policies typically exclude business use, so this coverage fills a gap many owners do not realize they have.
What is covered by Commercial Auto Insurance?
What does Commercial Auto Insurance cover?
- Liability for bodily injury and property damage you cause while driving for work.
- Physical damage to your vehicles, including collision and comprehensive.
- Medical payments and uninsured or underinsured motorist coverage.
- Hired and non-owned auto (HNOA) for rented or employee-owned vehicles used for work.
- Fleet management across multiple vehicles under one program.
Why Commercial Auto Insurance is important
California sets minimum auto liability requirements, and commercial use typically calls for higher limits than a personal policy provides. If your work reaches into trucking, additional filings and coverages may apply, and we can guide you.
Who needs Commercial Auto Insurance?
Contractors, delivery and service businesses, sales teams on the road, and any operation with company vehicles. If employees run errands or make deliveries in their own cars, HNOA is often an important addition.
How to get Commercial Auto Insurance
Tell us about your vehicles, drivers, and how they are used. We review your exposures and limits with you, explain where personal policies fall short, and help you put the right commercial or fleet program in place. We stay with you as your fleet changes, and we advocate for you after an accident.
Common questions about Commercial Auto Insurance
Answering the most frequently asked questions about Commercial Auto Insurance.
