Commercial Auto Insurance

Commercial Auto for Work Trucks & Fleets

Your trucks are on the road every day — driving to job sites, hauling tools and materials, and representing your business. Commercial auto insurance covers the liability and physical risk that comes with operating work vehicles for business. A personal auto policy will not respond to a business-use accident, and using one is a coverage gap that can sink a company after a serious loss.

What Commercial Auto Covers

• Liability: At-fault accidents causing injury or property damage to others
• Medical payments / PIP: Injuries to you and your occupants
• Uninsured/underinsured motorist: Protection when the at-fault driver lacks coverage
• Fleet coverage: Multiple trucks and drivers on one coordinated policy
• Hired & non-owned options: Extends to rented and employee-owned vehicles (see HNOA)

Why Personal Auto Isn't Enough

Personal auto policies exclude regular business use, hauling for hire, and vehicles titled to a company. When a work truck is in an at-fault accident, a personal policy can deny the claim — leaving the business exposed to the full cost. Commercial auto is built for exactly this exposure.

What Drives Your Premium

• Driver records: MVRs are a major rating factor; clean records lower cost
• Radius of operation: Local, intermediate, or long-haul changes the risk profile
• Vehicle type and weight: Light service trucks rate differently than heavy box trucks
• Use and cargo: What you haul and how far affects pricing

We shop specialty commercial auto markets and structure your fleet so you get the right limits at a competitive rate — plus the certificates your clients and contracts require.