Overview
Personal auto policies typically exclude or limit business use. If your company owns vehicles, titles them in the business name, or has employees driving for work, you need a commercial auto policy.
Commercial auto offers higher liability limits than personal auto, covers multiple drivers, and can include hired and non-owned auto coverage for rentals and employees' personal cars used on business.
What It Covers
Liability
Injuries and damage your drivers cause to others.
Physical Damage
Collision and comprehensive for company vehicles.
Hired & Non-Owned Auto
Protects the business when employees drive rentals or their own cars for work.
Uninsured Motorist
Covers your drivers when hit by an uninsured or underinsured driver.
Who Needs It
- Contractors with work trucks and vans
- Service businesses with company cars
- Delivery and courier businesses
- Businesses with employees running errands
What Affects Your Price
- Vehicle types and values
- Driver records
- How and where vehicles are used
- Radius
- Limits and deductibles
Roy's tip: Heavy trucks hauling freight for others belong on a trucking policy, not a standard commercial auto policy. We'll make sure you're on the right one.
Frequently Asked Questions
My employee uses their own car for work. Am I covered?
Their personal policy responds first, but your business can still be sued. Hired and non-owned auto coverage protects the business in that situation and is often inexpensive.
Can I put my personal car on a commercial policy?
If the vehicle is titled to the business or used primarily for business, a commercial policy is usually the right fit. We'll help you decide.