About this service
What does it cost to request a quote?
Nothing. Requests are free and you are not obligated to buy.
Do you sell insurance?
No. Commercial-Auto is a request service. Licensed agents and insurers provide quotes, coverage and pricing.
Who will follow up?
A licensed agent or partner who writes business auto may contact you by phone, text or email, as you agreed on the form.
Can I insure a vehicle titled in my own name for business use?
Often yes. Many insurers will write a commercial policy on a personally titled vehicle used mainly for business. Ask the agent how it should be set up.
Do my employees need to be listed?
Most insurers want every regular driver listed with license details so they can review driving records.
How do I stop calls or texts?
Reply STOP to a text, ask the caller to stop, or use the request form on the privacy page.
Coverage questions
Do I need all of these coverage types?
Liability is required by law in nearly every state. The rest depends on whether you own the vehicles outright, what your lender requires and what your contracts ask for.
Does liability cover my own injuries?
No. Liability pays others. Injuries to your employees while working are usually handled by workers compensation, and medical payments or PIP may help occupants depending on the state.
Should I drop physical damage on older vehicles?
Some businesses do once a vehicle's value falls close to the deductible plus a year of premium. Keep liability either way.
Can I buy HNOA without owning vehicles?
Yes. That is one of the most common reasons to buy it.
Can new vehicles be added mid-term?
Yes. Most policies allow additions and deletions during the term, with premium adjusted from the date of change.