Commercial Auto Insurance for Business Vehicles and Fleets
From a single work van to a 25-vehicle fleet, licensed agents shop business auto liability and physical damage coverage built around how your vehicles are actually used.
Get a commercial auto quote
Free Commercial Auto quote request. No obligation to buy.
- Vans, pickups, box trucks and service fleets
- Hired and non-owned auto for employee cars
- Certificates of insurance for clients and job sites
Why request your Commercial Auto quote here
Coverage that follows business use
Personal auto policies commonly exclude or limit business use. A commercial auto policy is written for vehicles owned by or used for the company, including tools, ladders and cargo you carry.
Liability limits clients ask for
Contracts often require $1,000,000 combined single limit. An agent can show options at the limit your customers specify and add them as additional insured where needed.
Physical damage on your terms
Choose comprehensive and collision deductibles per vehicle, and add rental reimbursement or towing so a breakdown does not stop the work day.
Protection for employee cars
Hired and non-owned auto liability responds when employees run errands in their own cars or you rent a vehicle for a job.
One policy for the fleet
Adding and removing vehicles and drivers on one schedule is simpler than juggling separate personal policies.
How it works
List your vehicles
Tell us how many vehicles you run, what type, and what they are used for.
Licensed agents shop it
Agents in our partner network compare carriers that write your vehicle class and radius.
Pick your limits
Review the quotes, adjust deductibles and limits, and decide only when you are ready.
What commercial auto insurance covers
Commercial auto insurance, sometimes called business auto, protects the vehicles your company owns, leases or regularly uses, and the people who drive them for work. The core of the policy is liability coverage for bodily injury and property damage you cause to others. Most businesses also add medical payments or personal injury protection where required, uninsured and underinsured motorist coverage, and comprehensive and collision for their own vehicles.
Rates depend on vehicle type and weight, garaging ZIP code, radius of operation, what you carry, driver records and your claim history. A landscaper with two pickups is rated very differently from a courier with ten cargo vans, which is why a quick conversation with an agent about how the vehicles are used often leads to a more accurate price than an online estimate alone.
If you haul goods for others across state lines, you may also need federal operating authority and filings. Those situations are handled as trucking insurance, and the agent who contacts you can tell you whether your operation falls into that category.
Helpful details to have ready
- VINs, or year, make and model, for each vehicle
- Driver names, dates of birth and license numbers
- Typical radius from your garaging address
- Current declarations page, if you are already insured
Commercial Auto FAQ
When does my business need commercial auto instead of personal auto?
Generally when a vehicle is titled to the business, is used mainly for work, carries tools or goods for customers, or is driven by employees. Personal policies often exclude or limit these uses, so check with an agent before relying on one.
What is hired and non-owned auto coverage?
It is liability coverage for vehicles your business rents or borrows and for employees' own cars used on company errands. It does not repair the employee's car; their personal policy handles that.
How much liability coverage should I carry?
State minimums are low compared with the cost of a serious accident. Many businesses carry $1,000,000 because customers and landlords require it. An agent can explain options and umbrella coverage.
Can I get a quote with drivers who have tickets or accidents?
Usually yes. Driver history affects price and which carriers will offer coverage, so list the drivers accurately so the quotes you receive are realistic.
Does commercial auto cover tools and equipment in the vehicle?
Commercial auto covers the vehicle and permanently attached equipment. Loose tools are usually covered under an inland marine or tools and equipment policy, which an agent can quote alongside the auto policy.
Does it cost anything to request a quote?
No. The request is free and carries no obligation. Licensed agents and partners provide the quotes, and the insurer determines final eligibility and price.
Get your business vehicles quoted
One short form reaches licensed agents who write commercial auto for businesses like yours.
Compare Commercial Auto Rates