← All coverages
Personal auto policies don't cover work use. Commercial does.
Commercial Auto
If a vehicle is used for work — making deliveries, hauling tools, transporting clients, or carrying a business logo on the side — a personal auto policy will likely deny a claim arising from that use. Commercial auto fixes that, and lets you scale from one work vehicle to a full fleet under one policy with consistent limits and endorsements.
Who it’s for
Tradespeople, contractors, delivery drivers, sales teams, ride-share fleets, mobile services, and any business whose work depends on vehicles it owns, leases, or rents.
What it covers
The protection lines that make up the policy.
Commercial Liability
Higher standard limits than personal auto, reflecting business risk exposure. Many commercial contracts require minimums well above state personal-auto minimums.
Physical Damage
Collision and comprehensive on owned vehicles, with valuation options (actual cash value, stated amount, agreed value) that matter on specialty trucks and upfits.
Hired & Non-Owned Auto
Coverage when employees drive their own vehicle for work, or when the business rents a vehicle. A common gap on businesses that "don’t own any vehicles."
Medical Payments / PIP
Per-state rules, including PIP requirements in no-fault states.
Specialized Endorsements
Refrigeration breakdown, towing and labor, mobile equipment, custom upfits, and trailer interchange — coverage tailored to specific industries and equipment.
Common questions
The conversations our agents have every day.
- I just use my truck for occasional work — do I really need commercial?
- If you bill clients for the work, transport materials or tools, or have your business name on the vehicle, yes. Claims under personal policies are routinely denied for 'business use,' even on incidental trips.
- Can I bundle commercial auto with my business policy?
- Often, yes — under a single business package or with the same carrier as your BOP. Worth pricing both ways with an agent who can quote across carriers.
- What about employees driving their own vehicles?
- That's where hired and non-owned auto coverage comes in. Without it, a claim arising from an employee's own car on a work errand can fall back on the business.
Nationwide coverage
Available in all 50 states.
Insurance rules — required minimums, no-fault status, workers' comp thresholds — vary state-by-state. The licensed agents in our network are matched to your state so the quote and the advice both follow the rules where you actually live.
From a single service van to a multi-state fleet, we'll connect you with an agent who understands how your vehicles are actually used — and writes the policy around that.
Often paired with
