Commercial auto
Vehicles titled to the business, driven for the business or hauling for the business need a commercial policy. Personal auto policies exclude most business use.
What it covers
- Liability for business-owned vehicles
- Collision and comprehensive
- Hired and non-owned auto for employees driving their own cars
- Uninsured motorist coverage
- Cargo and tools in transit
Common add-ons
- Rental reimbursement and downtime
- Higher liability limits required by contracts
- Additional insureds
Who it's for
Contractors, delivery and courier services, landscapers, food trucks, real estate teams, and any business whose employees drive for work.
Common questions
My truck is in my name. Do I still need a commercial policy?
If it is used for business, usually yes. Many personal policies exclude business use or deliveries entirely, and a denied claim after an accident is the wrong time to find out.
What is hired and non-owned coverage?
It covers the business when employees drive personal or rented vehicles for work. It is inexpensive and often missing.
Related coverage
Get a second look at your coverage.
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