Commercial auto insurance protects vehicles used for business purposes. Personal auto policies typically exclude business use, so if you use a vehicle for work, you need commercial coverage.
Commercial Auto Insurance
Protect your business vehicles, your drivers, and your bottom line. Whether you have one truck or an entire fleet, we'll find the right coverage at the right price.
Liability, collision, and comprehensive coverage
Coverage for cars, trucks, vans, and fleets
Hired & non-owned auto for employee vehicles
Fast quotes from multiple A-rated carriers
Who Needs Commercial Auto Insurance?
If you use any vehicle for business purposes, you need commercial auto insurance. This includes:
- Contractors & Tradespeople — Trucks carrying tools and equipment
- Delivery & Courier Services — Vehicles making regular deliveries
- Sales & Service Businesses — Employees driving to client sites
- Transportation & Logistics — Trucks, vans, and commercial vehicles
- Fleets — Multiple business vehicles under one policy
- Any Business Vehicle — Even one car used for business
Real Businesses. Real Coverage. Real Results.
We've helped hundreds of business owners across the US find the right coverage, without the runaround. Here's what they have to say.
Get Your Commercial Auto Insurance Quote
Commercial Auto Insurance FAQs
Q What's the difference between personal and commercial auto insurance?
Personal auto covers vehicles for personal use. Commercial auto covers vehicles used for business, carrying goods, transporting people for hire, or any work-related driving.
Q Do I need commercial auto if employees use their own cars?
Yes. You should have hired & non-owned auto coverage to protect your business if an employee has an accident while driving for work.
Q Does commercial auto cover cargo?
Basic commercial auto does not cover cargo. You'll need separate cargo or inland marine coverage for goods in transit.
Q How many vehicles do I need for fleet insurance?
Most carriers consider 5+ vehicles a fleet, but some offer fleet pricing for 2-4 vehicles.