Contractor standing in front of their vehicle.

What Is Commercial Auto Insurance?

Commercial auto insurance protects your business vehicles when accidents happen on the road or at a job site. It helps cover damage to your trucks, vans, trailers, and equipment — especially when they’re being used for work.

From hauling materials to driving between job sites, vehicles play a critical role in your business. This coverage helps ensure a single accident doesn’t slow down your schedule or create expensive repair bills.

Common Risks on the Road

  • Collisions: Accidents with other vehicles while traveling to jobs
  • Property Damage: Damage caused to someone else’s property
  • Theft & Vandalism: Stolen or damaged vehicles
  • Weather Damage: Hail, falling debris, or storm damage
  • Driver Injury: When employees are hurt in a company vehicle accident

How Commerical Auto Insurance Supports Your Business

With proper auto coverage, you can:

  • Keep projects on track even if a vehicle is out of service
  • Avoid paying out-of-pocket for repairs or replacements
  • Protect your drivers while they’re on the job

Benefits of Commercial Auto Insurance

  • Stay Operational: Keep jobs moving smoothly even after an accident or breakdown.
  • Driver Safety First: Helps employees recover after accident-related injuries.
  • Financial Protection: Avoid high repair bills, medical expenses, or legal claims.

Commercial auto insurance protects your business everywhere work takes you. With the right policy, your team and equipment stay safe from unexpected road risks.

Frequently Asked Questions

Is personal auto insurance enough for work vehicles?

Does commercial auto insurance cover employees who drive company vehicles?

What vehicles can be insured?

What Does Commercial Auto Insurance Cover?

Coverage that protects your business vehicles.

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Vehicle Damage

Helps pay for repairs or replacement if your work vehicle is damaged in a covered accident while being used for business purposes.

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Liability Claims

Covers costs if your business is responsible for injuring someone or damaging their property while driving to or from a job site.

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Collision Coverage

Provides financial protection for your own vehicle after a collision — even if your driver is at fault or the other party cannot pay.

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Uninsured Motorists

Covers damage and injuries if you’re hit by a driver who has no insurance or too little coverage to pay for the losses.

Who Needs Commercial Auto Insurance?

Any business that relies on vehicles to transport people, tools, or materials for work should have commercial auto insurance. If you drive to job sites, haul equipment, or send employees out in company vehicles, this coverage helps protect your business from the financial impact of accidents, injuries, or property damage on the road.

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Keep Your Business Moving

Protect your vehicles and team wherever the job takes you.