Commercial Auto Insurance, explained.
For trucks, vans, and any vehicle used for business — personal auto won’t cover it.
Commercial Auto Insurance
Commercial Auto covers vehicles owned, leased, hired, or borrowed for business use. It pays for property damage, bodily injury, and physical damage to your fleet when an accident happens during work.
Personal auto policies specifically exclude business use. One delivery, one tool-laden truck, one crew member running parts — and your personal policy can deny the claim.
Is this for you?
Inside a Commercial Auto policy.
When this coverage pays off.
Work truck rear-ends a car
A crew member rear-ends a sedan in traffic. Commercial auto pays for the other driver’s repairs and medical bills.
Stolen company van
A van loaded with tools is stolen overnight. Comprehensive on the auto policy plus inland marine handle it.
Employee in personal car for work
Hired & non-owned coverage protects your business when an employee uses their own car on a work errand.
Plain-language answers.
Yes — if it is regularly used for business, commercial auto is the correct policy.
$1M combined single limit is standard; some require higher with hired & non-owned endorsements.
If you haul tools, materials, or client property, an inland marine or motor truck cargo endorsement is recommended.
Ready for a Commercial Auto quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.