Commercial Auto
Insurance
Personal auto insurance doesn't cover your work vehicle. Commercial auto protects your trucks, vans, and cars used for business — plus any employees who drive their own vehicles on company time.
What commercial auto covers
Commercial auto questions
Why can't I use my personal auto policy for work?
Personal auto policies exclude 'business use beyond incidental.' If you use your vehicle to haul tools, visit clients, or transport goods for business, you need commercial auto. A claim denial after an accident is financially devastating.
What is hired and non-owned auto?
Hired auto covers rental vehicles used for business. Non-owned auto covers your employees using their personal vehicles on company business. Both are often added to your GL policy as endorsements if you don't own business vehicles.
Do I need commercial auto if I just drive to job sites?
Likely yes — driving to client sites, hauling tools or materials, or even just regular commuting as a required part of your job may qualify as business use under your personal policy's exclusion language.
How many vehicles qualify for a fleet policy?
Most carriers define fleet as 5+ vehicles. Below that, you'll have individual vehicle policies. Fleet policies often offer better rates and simplified management.
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