Wherever the Work Takes You
From the job site to the delivery route, we protect the vehicles your business depends on, and the people behind the wheel.
Commercial auto covers vehicles used for business, from a single van to a full fleet. It addresses liability, physical damage, and the people who drive on your behalf, sized to how the business runs.
In plain terms
Commercial auto insurance pays for damage, injuries, or repairs if a business vehicle gets into an accident.
The parts of the policy, named plainly.
Each line below does a specific job. We make sure you can point to any one of them and say what it's for.
Liability
Responds when a business vehicle causes injury or property damage.
Physical damage
Repairs or replaces owned vehicles after a covered loss.
Hired and non owned
Extends protection to vehicles used but not owned by the business.
Driver considerations
Accounts for who drives and how vehicles are used.
The questions worth sitting with.
A few honest considerations, and the situations this coverage tends to fit. We talk through both before anything's decided.
Considerations
- Number of vehicles and their use
- Who is authorized to drive
- Cargo or equipment carried
- Whether employees use personal vehicles for work
A good fit for
- Trades and service businesses with vehicles
- Operations with delivery or transport
- Any business whose team drives for work
The things businesses ask us most.
Can a personal auto policy cover business use?
Usually not in a meaningful way. Business use generally needs a commercial policy, and we structure it around your operation.
What if my staff use their own cars?
That is where hired and non owned coverage matters. We make sure that exposure is addressed rather than assumed.
Other pages in the business ledger.
Most plans are a combination of lines. Here is the rest of the business chapter to read alongside this one.