Commercial Auto Insurance
Commercial auto covers vehicles used for your business — liability for damage and injury you cause, plus physical damage to the vehicles themselves.
The Gap Most Owners Don't Know About
Personal auto policies exclude business use. A service van insured on a personal policy is a denied claim waiting for the right accident.
Hired and Non-Owned Auto
If employees run errands or make deliveries in their own cars, your business can be liable without owning a single vehicle. This coverage addresses that.
Fleets
Once you're running multiple vehicles, rating and structure change — scheduled vehicles versus blanket coverage, driver lists, MVR review, and in some cases telematics credits.
What It Doesn't Do
It doesn't cover tools and materials in the vehicle. That's inland marine. It doesn't cover employee injuries, which fall under workers' compensation.
Questions People Ask
Can I use my personal auto insurance for my work truck?
Generally no. Personal auto policies exclude business use, and the exclusion gets applied at claim time.
Do I need commercial auto if employees use their own cars?
That's what hired and non-owned auto coverage addresses. Your business can be liable for an accident in an employee's vehicle on company business.