Business Auto Insurance solutions built for you
A commercial auto package that provides comprehensive coverage and modern technology.
- Download an app on your phone to access your insurance cards, claim filing, claim tracking, and billing information. Make changes on the go.
- Any Auto Symbol available and blanket additional insured included to avoid delays in contractors' payments.
- Liability limits up to $4M and $0 Deductible for Comp and Coll coverage.
- Hired Physical Damage is available. This is a useful endorsement if you rent vehicles or trailers often.
- “A” Rated Insurance coverage through nationally recognized carriers ensures fast claims service, excellent customer service, and competitive pricing.
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Is Commercial Auto Insurance required?
Commercial auto insurance is required by law in most states (NH and VA are exempt).
Vehicles that are operated but are not owned by your business can be covered by hired and non-owned auto insurance (HNOA). For example- Leased vehicles or employee vehicles.
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How much commercial auto coverage do I need?
All states have their own requirements for minimum commercial auto insurance coverage. Those requirements dictate the amount of bodily injury liability coverage, property damage liability coverage, and uninsured motorist coverage you need to have.
You have the option to purchase your state's minimum amount of coverage, or you can purchase more coverage if you need the ability to make higher claims against your policy.
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Can I increase my commercial auto coverage later?
Yes you can! If you need to add additional coverage or increase your policy benefits, we can do that at any time. Just give us a call!
Key Benefits of Commercial Auto Insurance
Liability Coverage:
This protects your business from financial responsibility for bodily injury and property damage caused by your business vehicles to others. This includes accidents involving employees driving company cars, delivery trucks, and even personal vehicles used for business purposes.
Collision and Comprehensive Coverage:
These coverages protect your business vehicles from physical damage caused by accidents, theft, vandalism, and other perils.
Uninsured/Underinsured Motorist Coverage
Provides financial protection if your business vehicle is involved in an accident with a driver who lacks adequate insurance or whose insurance doesn't cover the full cost of damages.
Medical Payments Coverage:
Covers medical expenses for passengers injured in your business vehicles, regardless of who's at fault.
Hired and Non-Owned Auto Coverage:
Extends coverage to rented vehicles used for business and personal vehicles employees use for work (with permission).
Customized Options:
Depending on your business needs, you can add endorsements for specific risks, such as towing and roadside assistance, cargo insurance, and coverage for specialized vehicles.
We're the Commercial Auto Insurance Pros!
Commercial auto insurance is a specialized type of insurance designed to protect businesses that use vehicles for their operations. Unlike personal auto insurance, it goes beyond basic coverage, offering broader protection tailored to the specific needs of businesses.

By investing in comprehensive commercial auto insurance, you're not just protecting your vehicles, but also safeguarding your business's financial stability and the well-being of your employees.
Here's What You Can Expect
- Financial security
- Peace of mind
- Compliance: Many businesses are legally required to carry commercial auto insurance depending on their industry and state regulations
- Improved employee relations
- You can protect your business and your business vehicles
- Commercial auto insurance shields your business from potentially crippling financial losses in the event of an accident
