Commercial Auto Insurance
When your team is on the road, one accident can stall operations. Protect your people, your vehicles and your bottom line so work keeps moving.
Why does your business need it?
- Accidents happen even to safe drivers
- Many drivers on the road are uninsured
- Cost control and downtime reduction
- Legally required in trucking and construction
What does our coverage do?
- Covers company-owned and employee vehicles
- Protects drivers and passengers after accidents
- Helps cover medical and property loss costs
- Keeps your business compliant with state laws
Manage the risks of the road.
When your team is insured against the dangers associated with driving for work, you’ll be able to see the road ahead with ease and plan a route for the future of your business.
Talk to an agent
Distracted driving
A momentary distraction can lead to a crash that injures your team, damages your vehicle and stalls your operations.
Uninsured motorists
Collisions with uninsured or underinsured drivers can leave you paying repair and injury costs on your own.
Vehicle theft
Stolen work trucks or tools can stop deliveries, delay projects and cost thousands in lost revenue.
Weather damage
Hail, flooding and icy roads can total a vehicle or cause serious downtime if your vehicles are not covered.
Employee accidents
Even careful drivers make mistakes. One slip in judgment can trigger lawsuits and costly repairs.
Our commercial auto insurance options include
Driver Liability
Protection from injury or property damage claims.
Collision Insurance
Against damage to your commercial vehicle, no matter who was at fault.
Non-Owned Vehicle
Liability for employees who use personal cars or trucks on the job.
Frequently asked questions about commercial auto policies
Commercial auto insurance is a policy that covers vehicles used for business purposes. This can include cars, vans, trucks, etc. It typically covers damage to the vehicle, liability coverage if another person is injured, and can also cover medical expenses for the driver.
Any business that uses vehicles for work-related tasks, whether they’re owned, leased, or personal vehicles used for business purposes, should consider commercial auto insurance.
It typically covers collision damage, liability if you or your employee causes damage or injury, medical payments, uninsured/underinsured motorist coverage, and can cover specific situations and equipment related to business use.
Most states require businesses to carry a minimum amount of commercial auto insurance, particularly liability insurance, to cover damages to others in an accident.
Numbers to know
Crashes per year
167K
large truck accidents happen annually. (Federal Motor Carrier Safety Admin, 2025)
Uninsured drivers
1 in 7
Drivers on the road had no insurance in 2023. (iii.com, 2025)
Accident frequency
20%
of business fleets file at least one accident claim per year. (Forbes Advisor, 2025)
