If your business owns, leases, rents, or uses vehicles, commercial auto insurance can help protect your company from vehicle-related liability and physical damage risks. Personal auto policies are not designed for many business vehicle exposures.
CUIA helps businesses compare commercial auto insurance options for company cars, vans, trucks, service vehicles, delivery vehicles, and other business-use vehicles.
What Does Commercial Auto Insurance Cover?
Coverage depends on the vehicles, drivers, policy form, limits, deductibles, and endorsements. A commercial auto policy may include several types of protection.
- Liability coverage for covered bodily injury or property damage your business is legally responsible for after an accident.
- Physical damage coverage for covered damage to insured vehicles, often through comprehensive and collision coverage.
- Medical payments or personal injury protection where available and applicable.
- Uninsured or underinsured motorist coverage depending on state law and policy terms.
- Hired auto coverage for certain rented or leased vehicles used for business.
- Non-owned auto coverage for certain employee-owned vehicles used for business purposes.
Who Needs Commercial Auto Insurance?
Commercial auto insurance may be needed by contractors, restaurants, delivery businesses, sales teams, service companies, property managers, wholesalers, nonprofits, and many other organizations that use vehicles for business.
Even if your business does not own vehicles, you may still need hired and non-owned auto coverage if employees use personal vehicles for errands, client visits, deliveries, or other business tasks.
What Affects Commercial Auto Insurance Cost?
- Vehicle type, size, value, and use.
- Driver records and experience.
- Garaging location and travel radius.
- Annual mileage.
- Business industry and vehicle operations.
- Claims history.
- Requested limits, deductibles, and coverage selections.
- Whether vehicles are used for delivery, towing, hauling, or transporting people.
Do Employees Drive for Your Business?
Employee vehicle use can create risk even when a vehicle is not owned by the business. If employees use personal vehicles for business errands, deliveries, bank runs, jobsite visits, or client appointments, hired and non-owned auto coverage should be reviewed.
How CUIA Helps
CUIA can help you review your vehicles, drivers, business use, radius of operation, contracts, lease requirements, and current coverage. As an independent agency, we help compare available commercial auto options and explain the coverage differences that matter.
Request a Commercial Auto Insurance Quote
Protect your business vehicles, drivers, and company from road-related risk. Contact CUIA today to request a commercial auto insurance quote.
