Commercial Auto Insurance
Protect your fleet and drivers on the road.
Get comprehensive Commercial Auto coverage for company vehicles, employee drivers, and business vehicle use.
Licensed agents compare quotes from top commercial carriers and deliver certificates instantly.
Talk to a business insurance expert
Licensed agents who understand your industry and get you competitive quotes fast.
Commercial Auto Explainer
Everything you need to know about Commercial Auto
Commercial Auto insurance is required whenever you use vehicles for business purposes, yet many business owners mistakenly think their personal auto policy covers business use—and that misunderstanding can lead to denied claims and devastating financial exposure. Whether you own company vehicles, have employees driving for work, or use your personal car for business errands, understanding when you need Commercial Auto helps you stay compliant, protect your fleet investment, and avoid getting stuck with massive liability bills after an accident.
At its core, Commercial Auto works similarly to personal car insurance but covers business use and typically provides higher liability limits. It includes liability coverage (paying for injuries and property damage you cause to others), collision coverage (repairing your vehicles after accidents), comprehensive coverage (protecting against theft, vandalism, and weather damage), and critically important hired and non-owned auto coverage (protecting you when employees drive their personal vehicles or rental cars for business). If an employee causes an accident while running a business errand in their own car, their personal policy will likely deny the claim—leaving your business exposed to the lawsuit unless you have proper non-owned auto coverage.
The key to getting the right coverage is understanding when you need commercial policies versus personal, and choosing limits that meet both legal requirements and contract standards. If vehicles are owned or titled to your business, regularly used for business purposes, carry business signage or equipment, or if employees drive company vehicles, you need Commercial Auto—not personal coverage. Most businesses carry $1 million in liability coverage (combined single limit), and many client contracts now require $1-2 million minimums. Your rates depend on vehicle types, driver records, how far you drive, what you haul, and your claims history. Ready to protect your fleet and drivers with coverage that actually works when you need it?
How it works
From quote to coverage in hours
Our streamlined process gets your fleet protected fast so you can keep your business moving without insurance delays.
Step 1
Share your vehicle & driver details
Tell us about your fleet, how vehicles are used, driver records, and annual mileage so we can quote coverage tailored to your operations.
15-minute application
Step 2
Compare commercial quotes
Review coverage options from multiple carriers who specialize in commercial fleets, with clear pricing and optional coverages explained.
Same-day quotes
Step 3
Bind and hit the road
Get certificates instantly, add or remove vehicles anytime, and track your policy online with easy fleet management tools.
Instant COIs
Key decisions
What every fleet owner should know
Learn how Commercial Auto protects your vehicles, drivers, and business from accidents, injuries, and costly liability claims.
When you need commercial vs. personal
Understand the clear triggers that require Commercial Auto—vehicle ownership, business use, signage, and employee drivers.
Liability limits that matter
See how per-accident limits work for bodily injury and property damage, and why $1M coverage is becoming the new standard.
Hired & non-owned coverage
Learn why you need protection when employees drive their personal vehicles or rental cars for business errands.
Fleet pricing strategies
Discover how radius classifications, driver safety programs, and vehicle telematics can reduce your commercial auto premiums.
Expert support
Agents who understand fleet risks
Our network of independent business insurance specialists knows commercial vehicle exposures and works with carriers that specialize in fleet coverage.
- Agents who understand commercial fleet exposures and operations
- Help meeting client and contract certificate requirements
- Guidance on additional insured and waiver of subrogation
- Support for driver MVR reviews and safety programs
Need to add a new vehicle or driver to your policy? We'll update your coverage and issue certificates same-day.
Common questions
Commercial Auto FAQs
When do I need Commercial Auto instead of Personal Auto?+
You need Commercial Auto if vehicles are owned or titled to the business, used regularly for business purposes (deliveries, client visits, hauling), carry business signage or equipment, or if employees drive company vehicles. Personal auto policies exclude business use and will deny claims.
What liability limits should I carry for commercial vehicles?+
Most businesses carry $1 million combined single limit or split limits of $250,000/$500,000 for bodily injury and $100,000 for property damage. Many contracts now require $1-2M minimums. Higher-risk operations like trucking often need $2-5M in coverage.
Do I need coverage for employees who drive their own cars?+
Yes. Hired & Non-Owned Auto coverage is essential if employees ever use their personal vehicles for business errands. If an employee causes an accident while running a business errand, their personal policy may deny the claim—leaving your business exposed to the lawsuit.
How much does Commercial Auto insurance cost?+
Pricing depends on vehicle types, values, driver records, radius of operation, cargo types, and claims history. A single cargo van might cost $1,200-$2,500 annually. Large fleets benefit from volume discounts. High-risk vehicles (tow trucks, dump trucks) cost more.