Commercial Auto Insurance Information
What is commercial auto insurance?
If you use vehicles for business purposes, a personal auto policy won’t fully protect you. Commercial auto insurance is designed specifically for business use and covers liability, collision, comprehensive, medical payments, and uninsured motorist protection for your business vehicles and drivers.
An important step: vehicles used for business should be registered under the business name rather than a personal name. Mixing personal and business registration can create complications at claim time that may leave you without coverage when you need it most.
What your business needs depends on how you drive
The right commercial auto policy depends on who drives, how often, what they carry, and what types of vehicles are in your fleet. Our agents will take the time to understand your operation and match you with the right coverage — whether you have one work truck or a full fleet.
Business auto policies differ from personal policies in several key technical ways. Rather than guessing, let us walk you through your options and find the right fit.
Questions to ask your agent
- Should my vehicles be registered under the business name?
- Are employees covered when driving their personal vehicles for work?
- What liability limits do I need to protect the business?
- Does my policy cover hired and non-owned vehicles?
