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Commercial auto insurance is liability and physical damage protection for vehicles used for business, such as cars, trucks, and vans. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal ones.

Who needs commercial auto insurance?

Businesses that use vehicles for their operations usually need commercial auto insurance. This includes companies that own or lease cars, trucks, vans, or other vehicles for the purpose of transporting goods, equipment, or people.

Common professions that purchase commercial auto insurance include:

• Contractors: Contractors, landscapers, construction companies, and other tradespeople that use trucks or vans to take tools and equipment to job sites typically need commercial vehicle insurance.
• Delivery companies: Businesses that use cars or trucks to deliver goods to customers should have commercial auto insurance to protect their drivers, vehicles, and cargo.
• Transportation services: Companies that use cars or vans to transport passengers, such as taxis, limousines, and other livery services, need protection for their commercial cars.
• Food services: Restaurants, food trucks, and caterers that use vehicles for delivering food or operating mobile kitchens usually require a commercial auto policy.
• Non-profit organizations: If you use buses or vans to drive volunteers or clients, commercial auto insurance might be necessary for your business.

It’s important to note that personal auto insurance policies typically do not cover vehicles that are used for business purposes. If vehicles are necessary to your work, get commercial auto insurance to protect them.

A commercial auto insurance quote typically includes:

Medical payments: Also known as MedPay, protects you and your passengers if you’re injured in an accident, regardless of who’s at fault.

Liability: Protects against injuries to other people or damage to their property if you’re at fault for an accident.

Collision: Pays to repair or replace your vehicle if it strikes another object, overturns, or rolls.

Comprehensive: Helps pay for repairs or replacement of your vehicle if it is damaged by something other than a collision, such as theft, vandalism, fire, or severe weather.

Uninsured/underinsured motorist (UM/UIM): Helps with costs if you’re in an accident with someone who doesn’t have enough liability coverage to pay for the bodily injury and property damage they caused.