Instant Savings for Commercial Auto

Commercial Auto insurance typically provides coverage for liability, medical expenses for injury to occupants, uninsured and underinsured motorists, and physical damage loss to your business autos.

Commercial Auto insurance is required for vehicles that are used for a business, carry a commercial license plate or tag, or are registered as 'commercial'. 

You should carry Commercial Auto insurance if you or your employees use vehicles for work-related tasks. For example, shopping for office supplies, going on sales calls, deliveries, picking up packages, etc.

Also, you may be required to get additional coverage that your personal auto policy does not currently cover. For example: delivering food, acting as a taxi or limo service, carrying equipment, trucking and moving freight, or towing vehicles. 

Commercial Auto policies do not cover benefits you are obligated to pay under a Workers' Compensation, disability, or Unemployment Compensation law. Therefore, many business owners bundle their Commercial Auto policy with a Workers' Compensation policy. 

Commercial auto insurance is coverage that protects vehicles used for business purposes—this includes liability, physical damage, medical, and legal costs related to commercial vehicle operations. If your business owns vehicles (cars, trucks, vans) or your employees drive vehicles for business use, you likely need a commercial auto policy.

Personal auto insurance typically excludes coverage when the vehicle is used for business purposes—especially when transporting goods, clients, or making deliveries. Commercial auto insurance is designed for work-related vehicle use and offers higher liability limits, more robust coverage, and specialized endorsements. 

Some common coverage types include: 

• Liability coverage: for bodily injury and property damage you cause 
• Collision coverage: repair or replacement after a collision 
• Comprehensive coverage: damage from theft, fire, vandalism, etc. 
• Uninsured/underinsured motorist: protection if the other driver lacks adequate coverage 
• Physical damage / other endorsements: towing, rental reimbursement, etc. 
• Umbrella or excess liability: extra limit protection beyond base limits 

Yes, in most jurisdictions, businesses operating vehicles must carry commercial auto (or equivalent) liability insurance. In many U.S. states, it’s mandated, while in others, liability requirements still apply. Even where commercial auto is not strictly required, running a business vehicle without proper insurance can expose you to serious financial risk. 

Yes — but it depends on your policy. You’ll want to list regular drivers on the policy to ensure they’re covered. Occasional drivers may also be covered, depending on the policy terms and endorsements. It’s important to clarify with your insurer so that all authorized drivers are insured.

Premiums depend on multiple factors, including: 

• The type, age, and value of the vehicles 
• How and where the vehicles are used (delivery, transportation, long-distance, etc.) 
• Driving records and claims history of drivers 
• Annual mileage / kilometers driven 
• Coverage limits and deductible levels 
• Safety features, anti-theft measures, training programs 
• Number of vehicles in a fleet 

Reducing risks and writing a good claims history can help lower premiums over time.