Commercial Vehicle Insurance
Commercial Vehicle Insurance provides coverage for vehicles used in the course of business operations. Whether you have a single work truck or a fleet of company vans, this policy helps protect your business from the financial risks associated with accidents, theft, or damage involving business vehicles.
What Does It Cover?
Commercial auto insurance typically includes:
Liability Coverage
- Covers bodily injury and property damage if your driver is at fault in an accident.
Physical Damage Coverage
- Includes collision (damage from an accident) and comprehensive (theft, vandalism, fire, weather).
Uninsured/Underinsured Motorist Coverage
- Protects your business if another driver causes an accident but doesn’t have enough insurance.
Medical Payments / Personal Injury Protection (PIP)
- Covers medical expenses for the driver and passengers, regardless of fault.
Hired & Non-Owned Auto Coverage (Optional)
- Covers personal or rented vehicles used for business purposes.
Who Needs Commercial Vehicle Insurance?
- You need commercial auto coverage if your business:
- Owns, leases, or rents vehicles used for work
- Transports goods, tools, or people for business
- Uses vehicles registered in the business name
- Employees drive their own vehicles for work purposes
- Operates delivery services, mobile services, or construction-related transportation
- This applies to industries like:
- Real estate
- Construction and contractors
- Landscaping
- Delivery services
- Retail and wholesale
- Food trucks and catering
- Mobile services (salons, tech repair, pet grooming)
Why It Matters
Legal Compliance
Most states require commercial liability coverage for business vehicles
Financial Protection
Avoid paying out-of-pocket for costly repairs or lawsuits
Business Continuity
Stay operational even after an accident or vehicle damage
Professionalism
Shows clients and partners that your business is insured and responsible
What Affects the Cost?
Premiums vary based on:
Vehicle type, age, and condition
Business type and usage
Driving records of employees
Coverage limits and deductibles
Number of vehicles insured
Location and mileage driven
We help you find a tailored Commercial Vehicle Insurance policy that meets your business needs and budget—so you can drive with confidence.
