Commercial Auto Insurance
If your business owns or operates one or more vehicles, commercial auto insurance is essential.
This coverage protects both your vehicles and your business from the financial risks of accidents, property damage, and liability claims involving company vehicles.
Whether you operate standard business vehicles or heavy-duty trucks, having the right insurance ensures your operation stays protected on the road.
What Commercial Auto Insurance Covers
Commercial auto insurance provides many of the same protections as personal auto insurance — but is designed specifically for business use.
Typical coverage includes:
- Liability Coverage – Pays for injuries or property damage that occur when you or your employees cause an accident while driving a business vehicle.
- Collision Coverage – Covers repairs or replacement if your business vehicle is damaged in a collision.
- Comprehensive Coverage – Protects against non-collision losses such as theft, vandalism, or weather-related damage.
Why a Personal Auto Policy Isn’t Enough
Personal auto insurance policies generally exclude coverage for accidents that occur during business use.
If a vehicle is used to make deliveries, transport equipment, or carry out any other business activity, those incidents likely won’t be covered under a personal policy.
Common Misconceptions About Commercial Auto Coverage
-
“I already have general liability insurance.”
General liability insurance typically excludes vehicle-related claims. It doesn’t cover accidents or damage that occur while driving for business purposes. Both types of policies are needed for full protection. -
“My commercial auto policy covers everything I transport.”
Commercial auto insurance covers vehicles and driver liability — not the items being transported. To insure goods or equipment in transit, you’ll need commercial property or cargo coverage. -
“It covers my employees’ medical bills if they’re injured in an accident.”
The liability coverage included in a commercial auto policy protects against injuries or damages your driver causes, but it doesn’t cover the driver’s own medical expenses.
For that, you’ll need a workers’ compensation policy.
Commercial Truck Insurance
Whether you operate a single truck or an entire fleet, commercial truck insurance protects your business, your drivers, and your cargo from unexpected loss or liability.
We provide coverage options for all types of commercial trucks and specialty vehicles to keep your operation running smoothly and safely.
Types of Trucks We Insure
We offer insurance solutions for a wide variety of commercial vehicles, including:
- Long Haul Trucks
- Tractors and Trailers
- Pickup Trucks
- Tow Trucks
- Box Trucks
- Dump Trucks
- Flatbed Trucks
- Cargo Vans
- 1-Ton Trucks with Trailers
We also cover specialized commercial vehicles such as:
- Agricultural Trucks
- Hot Shot Truckers
- Bucket Trucks
- Car Haulers
- Catering Trucks
- Cement Mixers
- Delivery Vans
- Front Loaders
- Garbage Trucks
- Food and Ice Cream Trucks
- Refrigerated Trucks
- Street Sweepers
- Tank Trucks and more
Owner-Operator Coverage
Owner-operators act as independent business owners — often hauling freight for other companies.
Because your situation is unique, you need coverage that protects your truck, your cargo, and your livelihood.
We partner with leading truck insurance providers to match you with the right coverage and pricing.
Depending on your setup, you may need additional protection beyond what a motor carrier provides.
Common owner-operator coverages include:
- Owner-Operator Liability – Covers property damage and bodily injury to others in an at-fault accident.
- Bobtail / Non-Trucking Liability – Provides coverage when you’re driving your truck without a trailer or outside of dispatch.
- Motor Truck Cargo Coverage – Protects against loss or damage to freight while in transit.
- Occupational Accident Insurance – Covers medical expenses and lost wages if you’re injured while working.
- Physical Damage Coverage – Pays for repairs or replacement of your truck and trailer after damage or theft.
- Downtime & Rental Reimbursement – Helps cover costs if your truck is out of service after a covered loss.
- Mechanical Breakdown – Covers repairs due to internal mechanical or electrical failure.
Core Commercial Truck Coverages
- Primary Liability – Required by law, this covers injuries or property damage caused to others in an accident involving your truck.
- Comprehensive & Collision – Protects your vehicles against theft, fire, vandalism, weather events, and collisions.
- Motor Truck Cargo – Covers freight losses or damage while in transit, based on a per-load limit.
- General Liability – Covers injuries or property damage occurring during business operations or on your premises.
- Non-Trucking Liability / Bobtail – Provides limited liability coverage when your truck is being driven for non-business purposes.
Why It Matters
Commercial truck insurance isn’t just required — it’s vital protection for your business assets, reputation, and income.
From small contractors to long-haul operators, having the right coverage ensures your business stays on the road, no matter what happens.
Protect Your Business on the Road
Accidents can happen even to the most cautious drivers.
Whether you’re driving a single service van or managing a multi-truck operation, comprehensive commercial auto and truck insurance ensures your business stays protected from costly claims and vehicle losses.