What is Commercial Auto Insurance?

Commercial auto insurance covers vehicles owned by your business and used for business purposes. Unlike personal auto policies, commercial coverage is designed for the unique risks businesses face: employees driving company vehicles, transporting goods or equipment, and the higher liability exposure that comes with commercial use.

If your business owns vehicles, leases them, or has employees who drive for work, you need commercial auto coverage.

What Does Commercial Auto Cover?

Commercial auto policies include liability coverage (for injuries or damage you cause to others), collision (damage to your vehicle in an accident), comprehensive (theft, vandalism, weather damage), and coverage for medical payments and uninsured motorists. You can also add coverage for hired and non-owned vehicles.

Hired and Non-Owned Auto Coverage

What happens when employees use their personal vehicles for work, or when you rent a vehicle for business? Hired and non-owned auto coverage fills this gap, protecting your business when accidents occur in vehicles you don’t own.