Fleet and commercial vehicle coverage that keeps your business moving — and protects your bottom line when the unexpected happens.
Overview
If your business owns, leases, or regularly uses vehicles — whether it's a single delivery van or a full fleet of trucks — you need commercial auto insurance. Personal auto policies typically exclude business use, which means a single accident during a work errand could leave your company fully exposed. Commercial auto insurance covers your vehicles, your drivers, and your liability in one comprehensive policy designed for business operations.
Why It Matters
A single at-fault accident involving a business vehicle can result in lawsuits, medical claims, and vehicle repair costs that far exceed what a personal policy would cover — if it covered the incident at all. Commercial auto insurance ensures your business assets, employees, and reputation are protected every mile of the way.
Is This Right for You?
Contractors and construction companies with work trucks
Delivery and courier businesses
Landscaping, plumbing, and trade service companies
Real estate agents using personal vehicles for work
Restaurants and catering companies with delivery vehicles
Any business with employees who drive on company time
Common Questions
Generally, no. Most personal auto policies explicitly exclude coverage when a vehicle is being used for business purposes. If an employee is in an accident while making a delivery or running a business errand, your personal policy likely won't pay — and your business could be liable.
Hired auto covers vehicles you rent or lease for business use. Non-owned auto covers employees using their personal vehicles for company business. Both are important gaps that a standard commercial auto policy may not automatically include.
Premiums are based on the type and number of vehicles, how they're used, driver records, annual mileage, and the coverage limits you choose. We shop multiple carriers to find the most competitive rate for your specific fleet and operations.
Yes — most commercial auto policies allow you to add or remove vehicles as your fleet changes. We make it easy to keep your coverage current as your business grows.
As an independent agency, we shop multiple carriers to find you the best rate. No obligation — just honest advice.
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