Commercial coverage
Commercial Auto Insurance for Work Vehicles and Fleets
A personal auto policy is not built for deliveries, jobsite travel, or a van with a company logo. Commercial auto covers the vehicles titled to the business, the liability those vehicles create, and — when we add it — hired and non-owned autos that employees drive on company errands.
We place liability, comprehensive, collision, uninsured/underinsured motorist where required or chosen, and medical payments or PIP depending on the state. For contractors and distributors we also look at trailers, aftermarket equipment, and rental reimbursement.
Vehicle types we regularly schedule include work vans, box trucks, dump trucks, service utility bodies, food trucks and catering vans tied to a restaurant operation, forklifts that leave the yard, company cars, and trailers. A 15-mile plumber's van is not a regional wholesale fleet.
Hired auto covers vehicles you rent. Non-owned auto covers employee-owned cars used on company business — the exposure most professional offices forget until a claim. Combined hired and non-owned is inexpensive relative to the gap it fills.
Driver selection and motor-vehicle records matter as much as the truck. We help you set a written driver guideline so a renewal is not a surprise. We also coordinate commercial auto with umbrella limits so a serious accident does not stop at $1 million.
- Owned and leased units Liability and physical damage on vehicles in the business name or under a long-term lease.
- Hired and non-owned Rentals and employee cars used for work — a must for offices that do not have a fleet.
- Trailers and attached equipment Scheduled trailers and service bodies that a personal policy will not touch.
- Additional insured filings Certificate wording for GCs and, when filings apply, the motor-carrier endorsements a shipper will demand.
Frequently asked questions
Can I just add the company van to my personal auto policy?
Usually no, and when an agent does it anyway the claim can be denied. Vehicles used primarily for business, titled to an LLC, or carrying tools and product belong on a commercial auto policy.
Do I need commercial auto if employees use their own cars?
You need hired and non-owned auto liability. Their personal policy is first-party for their car; your business still has vicarious liability for the errand you sent them on.
Are tools and cargo inside the truck covered?
Physical damage covers the vehicle, not the cargo or the tools in the box. Inland marine (motor truck cargo or a tools floater) is the companion policy.
What about food trucks?
The truck and liability while it is on the road are commercial auto. Inventory and equipment not permanently attached, plus the commissary or restaurant behind it, need property and inland marine.
Related coverage, industries, and locations
Commercial Umbrella
Extra liability limits over general liability, the BOP, and commercial auto when a serious claim exceeds primary.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsGeneral Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsCommercial General Contractor
GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.
Industry pageWholesale and Distribution
Warehouse property, fleet, products liability, and cargo for distributors who move other people’s shelves.
Industry pageCatering
Off-premises food, liquor, vans, and a commissary — the restaurant policy that has to leave the building.
Industry pageIndiana
Licensed commercial insurance broker serving Indiana.
State page