Commercial Auto insurance

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they're typically exposed to more risk than personal vehicles. Commercial auto insurance isn't just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.


Commercial Auto Customer can be:

  • Business Auto - Like cleaning services, restaurants and shops
  • Contractors - Like carpenters, electricians, landscapers and painters

Do you need commercial car insurance?

If you can answer "yes" to any of the following questions, you may need commercial car insurance:

  • Are any of your vehicles used for pickup or delivery of goods, including supplies, materials, newspaper, pizza, other food items, or for messenger services?
  • Are any of your vehicles used for limousine, taxi service, or other livery service?
  • Are any of your vehicles owned or leased by a partnership or corporation?
  • Are any of your vehicles registered or titled to a business, corporation, partnership, or DBA (Doing Business As)?
  • Do any employees or non-listed drivers drive any of your vehicles on a regular or occasional basis?
  • Are any of your vehicles leased or rented to others?
  • Are any of your vehicles a pickup, van, or utility vehicle with a gross weight exceeding 10,000 pounds, or do any of your vehicles have a rated load capacity over 2,000 pounds?
  • Are any of your vehicles equipped with snowplowing equipment, cooking or catering equipment, bathrooms, altered suspensions, hydraulic lifts, or racing equipment?
  • Do any of your vehicles have equipment installed such as ladder racks or permanent toolboxes that are used to support a business?