Get Help Comparing Commercial Auto Insurance For Your Business

If you use a car, van or truck for your business, a personal auto policy may not be enough. Many personal policies limit or exclude coverage when a vehicle is used mainly for business, which is why businesses often need a commercial auto insurance policy.

Commercial auto insurance helps protect your company when a vehicle is involved in an accident, damaged or stolen. It can also help with costs if someone else is injured or their property is damaged.

Who May Need Commercial Auto Insurance?

Any business that owns, leases or regularly uses vehicles may need this type of coverage. Common examples include contractors and tradespeople, delivery and courier services, landscaping and cleaning companies, sales teams who travel to clients, and small businesses with a few company vehicles.

Requirements depend on how the vehicle is used and on your state, so it is worth comparing quotes and speaking with a licensed agent before you decide.

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Coverages To Look At

Liability coverage
Helps pay for injuries or property damage you cause to others in an at-fault accident.
Collision
Helps repair or replace your business vehicle after a crash, whoever is at fault.
Comprehensive
Covers non-crash damage such as theft, vandalism, fire or falling objects.
Uninsured motorist
Helps if you are hit by a driver who has no insurance or too little of it.

What Affects Commercial Auto Insurance Rates?

Insurers look at how much risk your business vehicles carry. The details below commonly play a part in the price you are offered.

Vehicle type and value: Larger, heavier or more expensive vehicles usually cost more to insure than small, inexpensive ones.
How the vehicle is used: Daily deliveries, long distance trips and carrying tools or goods can be rated differently from occasional local use.
Drivers: The age, experience and driving records of everyone who will drive the vehicle are taken into account.
Coverage limits and deductibles: Higher limits give more protection, while a higher deductible can lower the premium but means more out of pocket when you claim.
Claims history: A record of previous claims can affect what insurers are willing to charge.

Tips For Comparing Commercial Auto Insurance Quotes

List every vehicle and driver accurately so the quotes you receive are realistic.
Compare coverage limits and deductibles, not only the monthly price.
Ask whether the policy covers employees who use their own cars for business errands.
Check how claims are handled and how quickly you can reach the insurer.
Review your policy every year as your business, vehicles and drivers change.

Get Free Quotes Online

Use our online form to start comparing offers for your business. Provide basic details about your company and vehicles, and review the options at your own pace. Coverage rules and availability vary by state, so consider talking to a licensed agent before you finalize a policy.