Commercial Insurance

Commercial Auto Insurance for Businesses

If your business owns vehicles, hires drivers, or sends employees on the road, commercial auto insurance is non-negotiable. Personal auto policies exclude business use — and DOT-regulated operators face additional federal coverage minimums.

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What Commercial Auto Insurance Covers

Commercial auto covers your business-owned or business-leased vehicles for liability (damage you cause to others), physical damage (collision and comprehensive on your own vehicles), uninsured/underinsured motorist, and medical payments. It also covers hired and non-owned auto (HNOA) — when employees use rentals or their own cars for business.

Who Typically Needs Commercial Auto

Trucking companies (must meet FMCSA minimums)
Landscaping and HVAC companies with work trucks
Construction contractors with company vehicles
Delivery and logistics operators
Any business where employees regularly drive for work — even in their own cars

What We Offer

Trucking-specific markets including auto liability, physical damage, motor truck cargo
Fleet rating for businesses with multiple vehicles
Hired and non-owned auto endorsements for employee-use scenarios
DOT compliance support for FMCSA-regulated carriers
Combined commercial auto + workers' comp + general liability quotes

Frequently Asked Questions

Do I need commercial auto if my employee uses their own car for work?

Yes — you need Hired and Non-Owned Auto (HNOA) coverage on your commercial auto or general liability policy. The employee's personal auto policy will likely deny a claim for a business-related crash, leaving your business liable. HNOA is usually inexpensive and bundled.

What FMCSA limits apply to my trucking operation?

Federal minimums depend on cargo type and weight. General freight typically requires $750,000 minimum primary auto liability; hazardous materials can require $1M-$5M. Most well-run operators carry $1M+ to satisfy shipper contracts. We help confirm which apply to your specific operation.

Can I get a quote without all my truck VINs ready?

We can give a preliminary indication based on truck count, average value, and hauling type. For a binding quote we'll need VINs, drivers' MVRs, and prior loss runs. Plan a few days for the underwriting process.

How do you bundle commercial auto with workers' comp?

Many carriers offer multi-line accounts where you bind WC, commercial auto, GL, and property together — often with a 5-15% account credit. We routinely structure programs this way for trucking, contractors, and landscape operators.