Commercial Auto Insurance


What are some things Commercial Auto Insurance Covers?

Commercial vehicle insurance is a lot like your personal auto policy, it provides coverage for injuries to individuals or multiple people, damage to your vehicles or the vehicles of others. Commercial Auto can be industry specific and offers many coverages that personal auto does not.

Here is a list of some of the coverages found on a Commercial Auto Policy. We are happy to provide more detail on what each specific category covers and does not cover. Feel free to contact us with any questions.

  • Comprehensive physical damage
  • Collision
  • Property damage liability
  • Bodily injury liability
  • Property damage liability
  • (CSL) Combined single limit
  • Property damage liability
  • Uninsured motorist
  • Underinsured motorist coverage

Who Needs Commercial Auto Insurance?

Certain business usage and vehicle types may be excluded from personal auto insurance policies. Personal Vehicles are not meant for business use. Commercial Auto includes special coverages found only in Commercial Auto Policy.

Common Companies that need Commercial Auto are:

  • Contractors
  • Companies with Fleets
  • Truckers

Who should consider buying Commercial Auto Coverage:

  • Own or looking to purchase a vehicle for your company.
  • Use a Fleet or offer delivery service as part of your business operations.
  • Have tools or equipment installed or being transported to and from job sites.
  • Vehicle is used for anything other than commuting.
  • Any Company that uses a vehicle for business and includes a logo, decal or racks.

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