Your personal auto policy won't cover vehicles used for business. Commercial auto insurance protects your company-owned vehicles, hired vehicles, and employee-driven vehicles during business operations.
Commercial auto insurance provides broader protection than personal auto policies, with higher limits and coverage for vehicles used in business operations of all types.
Commercial Auto Liability
Pays for bodily injury and property damage you cause to others in an at-fault accident while driving for business.
Collision Coverage
Covers damage to your business vehicle from a collision with another vehicle or object, regardless of fault.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, fire, hail, flooding, and hitting an animal.
Uninsured/Underinsured Motorist
Protects you if you're hit by a driver with no insurance or insufficient coverage.
Medical Payments (MedPay)
Covers medical expenses for you and your passengers regardless of who is at fault.
Hired & Non-Owned Auto (HNOA)
Covers liability when employees drive personal or rented vehicles for company business.
Any business that owns, leases, or regularly uses vehicles for business purposes needs commercial auto coverage. Personal policies exclude business use.