Liability and physical damage for cars, vans, and trucks used in your business. Owned, leased, or hired.
Commercial auto insurance provides liability (bodily injury and property damage you cause to others) and optional physical damage (collision, comprehensive) for vehicles used in your business. Personal auto policies typically do not cover business use.
Any business that owns, leases, or uses cars, vans, or trucks for business purposes. State laws require minimum liability for registered commercial vehicles.
Liability: claims from accidents you cause. Physical damage: collision and comprehensive (theft, vandalism, weather) for your vehicles. Hired and non-owned auto coverage can protect when employees use their own or rented vehicles for business.
Contractors, trucking, delivery, retail, restaurants, and any business with company vehicles or employees driving for work.
Do I need it if I use my personal car for work? — If it’s incidental, personal auto may suffice; significant business use usually requires commercial or hired/non-owned coverage.
What is hired/non-owned? — Coverage when employees use their own vehicles or rentals for business.
Contractor insurance tailored to your trade.
