Commercial Auto Insurance
Coverage for vehicles used in your business
Commercial auto insurance is designed for vehicles used in connection with a business, whether you operate a single work vehicle or maintain a larger commercial fleet.
I work with business owners to understand how their vehicles are used, who operates them, and what they need to protect, then explore commercial auto insurance options appropriate for their business.
What can commercial auto insurance cover?
Commercial auto policies can be structured to address several different types of risks, depending on the vehicles, drivers, and business operations involved.
Liability Coverage
Provides protection when an insured vehicle is involved in an accident and the business is legally responsible for bodily injury or property damage to others.
Uninsured & Underinsured Motorist Coverage
Can provide protection when your business vehicle is involved in an accident with a driver who has no insurance or insufficient insurance, subject to the terms of the policy and applicable state requirements.
Medical Payments Coverage
May help pay medical expenses for covered individuals injured in an accident involving an insured vehicle, regardless of who was at fault, subject to the policy’s terms and limits.
Comprehensive Coverage
Provides protection for covered losses to your vehicle that are not caused by a collision, such as theft, vandalism, fire, or certain weather-related damage.
Collision Coverage
Helps pay for covered damage to an insured vehicle resulting from a collision, subject to the policy's deductible.
Hired & Non-Owned Auto Coverage
Businesses may have automobile exposures even when they do not own the vehicles being used.
Hired and non-owned auto coverage can address certain liability exposures arising from vehicles rented, leased, or used by employees for business purposes, depending on the policy.
Will my personal auto insurance cover the business use of my vehicle, or do I need a separate commercial auto policy?
Not every vehicle used for business purposes necessarily requires a commercial auto policy, but using a personal auto policy for business activity when the policy is not designed for that use can create coverage issues. Factors such as who owns the vehicle, how it is used, who drives it, what it transports, and the nature of the business can all affect the appropriate type of coverage.
Some personal auto insurers offer a Business Use endorsement that expands coverage for certain business-related activities while allowing the vehicle to remain insured under a personal auto policy. Availability varies by insurance company and by the type of business.
If you already have a personal auto policy, I recommend speaking with your current auto insurance carrier first to determine whether this option is available before exploring Commercial Auto coverage.
What businesses might need commercial auto insurance?
Commercial auto insurance may be appropriate for businesses that use vehicles as part of their normal operations, including:
Contractors and construction businesses
Delivery and service businesses
Tradespeople
Landscaping and maintenance companies
Real estate and property-management businesses
Restaurants and food-service businesses
Businesses with employees who drive for work
Businesses that own or lease company vehicles
Businesses that transport equipment, tools, or materials
Other businesses with regular business-related vehicle use
The appropriate coverage depends on how your vehicles are owned, operated, and used.
Insuring business-owned vehicles
Commercial vehicles can range from a single passenger vehicle used by a business owner to vans, pickups, box trucks, and other vehicles used as part of business operations.
To begin exploring commercial auto coverage, I’ll generally need information about your business, vehicles, drivers, and how the vehicles are used. I may need data such as:
Vehicle year, make, model, and VIN
Who owns or leases the vehicle
How the vehicle is used
Where the vehicle is normally garaged
Estimated annual mileage
Territories in which the vehicle operates
Who will be driving the vehicle
Driver history and experience
What the vehicle carries or transports
Whether the vehicle is used for deliveries, service calls, commuting, or other business activities
Reviewing existing commercial auto coverage
Do you already have commercial auto insurance?
I’m happy to review your existing coverage with you to help determine whether it continues to make sense for your business and how your vehicles are currently being used.
Changes in your business, vehicles, drivers, operations, or territory can all affect your insurance needs.
If you already have a commercial auto policy, your current declarations page can also be helpful when reviewing your existing coverage or exploring alternatives.
What kind of commercial auto insurance does my business need?
Commercial auto insurance needs can vary considerably depending on your vehicles, drivers, business operations, and how your vehicles are used.
Contact me so I can learn more about your business and its vehicle exposures, and we can work together to explore commercial auto coverage options appropriate for your needs.
At this link, please select Commercial Auto under the Commercial category when submitting your quote request.
Carriers I offer coverage with:
Commercial auto insurance available in*:
California
Texas
Washington
*Licensing does not guarantee that every insurance product or carrier is available in every state. Carrier appointments, underwriting requirements, product availability, and eligibility vary by state and by individual risk.
If I am not currently licensed to offer the insurance solution(s) you are seeking in your state, I may be able to obtain the necessary licensing or connect you with a licensed professional who can assist you.
