Commercial Auto Insurance

Personal auto insurance covers vehicles used for personal reasons. Commercial auto insurance covers vehicles used for business purposes — including delivery, service calls, transporting equipment or goods. If you use a vehicle for anything related to your business, you need commercial coverage. Using personal auto for business can void your policy.

Even one vehicle used for business purposes qualifies for commercial auto insurance. One vehicle = commercial policy. Two or more vehicles = fleet discounts. We'll structure the policy to fit your operation.

Yes. When you lease to a carrier, you need your own commercial auto policy. The carrier will require a certificate of insurance (COI) naming them as additional insured. Our truckers insurance product includes this coverage, so if you're already covered there, you may be all set.

Commercial auto costs vary by vehicle type, driver record, and usage. Expect $1,500–$5,000 per vehicle per year for light trucks and vans, $3,000–$10,000+ for heavy trucks. Fleet discounts reduce per-vehicle costs. We shop multiple carriers to find your best rate.

Hired and non-owned auto insurance covers vehicles your business uses but doesn't own — rentals, leased vehicles, employee-owned vehicles used for work. It provides liability coverage when someone drives a vehicle on your behalf. Many general liability policies exclude auto liability, making this endorsement essential.