Commercial Auto
Liability and physical damage for vehicles used in your business.
Apply for Commercial AutoAbout 12 minutes
Personal auto policies exclude business use, so any vehicle that works for you — a box truck, a service van, an owner's pickup on job sites — belongs on a commercial auto policy. It covers what you do to others on the road and, when you add physical damage, what happens to the vehicle itself.
What it covers
- Bodily injury and property damage you cause while driving
- Collision and comprehensive damage to your own vehicles
- Uninsured and underinsured motorist protection
- Hired and non-owned auto — rentals and employee cars used for work
- Medical payments for occupants of your vehicles
What it does not cover
Stated plainly, because finding out at claim time is how people end up suing their broker.
- Cargo you are hauling — that needs Inland Marine or motor truck cargo
- Vehicles used purely for personal commuting and errands
- Wear, tear, and mechanical breakdown