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Commercial Auto Insurance

Insurance for eligible vehicles used for business.

Commercial auto covers vehicles owned, leased or used by your business. Personal auto policies may not cover business use, so companies with vans, trucks, rentals or employees driving for work often need it.

What it can help cover

  • Liability for accidents involving business vehicles
  • Physical damage to your vehicles
  • Hired & non-owned auto for rentals and employee cars

What it typically doesn’t cover

  • Tools or equipment stored in the vehicle (see Inland Marine / Equipment)
  • Personal, non-business driving under a personal policy
  • Drivers excluded from the policy

Every policy is different. Your actual coverage depends on the policy terms, limits and exclusions.

FAQ

About commercial auto

What is hired & non-owned auto?

It can cover liability when employees drive rented vehicles or their own cars for business, which is common for productions and service businesses.

Can I use my personal auto policy?

Many personal policies exclude or limit business use. Coverage depends on how the vehicle is used.

Related

Coverage often paired with it

General Liability

Protection for everyday business liability risks.

  • Customer or visitor injuries at your business
  • Damage you accidentally cause to someone else’s property
  • Certain advertising and personal-injury claims

ExampleA client trips over a cable in your office and is injured. General liability can help with covered medical bills and your legal defense.

Workers’ Compensation

Coverage designed to protect employees and businesses when work-related injuries occur.

  • Medical care for covered work-related injuries or illnesses
  • A portion of lost wages while an employee recovers
  • Employer’s liability if you are sued over a workplace injury

ExampleA kitchen employee burns their hand during a shift. Workers’ compensation can help pay for treatment and part of their wages while they heal.

Business Owners Policy

A convenient combination of business property and liability protection for eligible businesses.

  • General liability for everyday claims
  • Commercial property for your space, equipment and inventory
  • Business income if a covered loss forces you to pause

ExampleA pipe bursts and floods your shop. A BOP can help repair the space, replace damaged inventory and replace lost income while you are closed.

Get a commercial auto quote.

Tell us about your business and we’ll help you explore options and limits that fit.