Commercial Insurance
Commercial Auto
Covers the vehicles your business owns, leases, or uses for work, along with the drivers behind the wheel.
What it is
Commercial auto covers the vehicles your business owns, leases, or uses for work, along with the people driving them. If a vehicle is part of how you make money, from a contractor's truck to a caterer's van to a parts runner, a personal auto policy will not protect you. Commercial auto fills that gap with liability and physical damage built for business use.
What Commercial Auto covers
- Liability for bodily injury and property damage your vehicle causes to others
- Physical damage to your own vehicles from collision, theft, fire, or vandalism
- Coverage for vans, trucks, and cars used to haul tools, products, or equipment
- Medical payments and, in New York, required no-fault coverage for injuries
- Uninsured and underinsured motorist protection
Industries we write commercial auto for
FAQ
Commercial Auto: common questions
Isn't my personal auto policy enough for my work truck?
No. Personal auto policies generally exclude business use, so a work-related claim can be denied. If you use a vehicle for the business, you need commercial auto.
What is hired and non-owned auto?
It covers vehicles your business does not own but uses, like an employee's car for a delivery or a rented van. It is an easy and common gap to miss.
Does it cover the tools in my vehicle?
Auto covers the vehicle itself. Tools and equipment inside are covered under an inland marine or property policy, which we bundle so you are not left exposed.
Independent advantage
We shop it. You decide.
We place commercial auto across many top markets, including a new appointment with The Hartford, so you get the right fit instead of one company's price.