Commercial Auto
Vehicles titled to the business, employee drivers, and hired/non-owned exposure.
Built for the way you actually operate.
Any business with vehicles titled to the company, employees who drive for work, or staff who use personal vehicles on company errands.
Real scenarios, in plain terms.
At-fault accident in a company vehicle
Liability from a business vehicle accident follows the business. Commercial auto provides the liability and physical damage structure a personal policy isn't designed for.
Employee runs an errand in their own car
If an employee causes an accident while driving their personal vehicle for work, the business can be pulled into the claim. Hired and non-owned auto coverage addresses that gap.
Tools and equipment in transit
Cargo, tools, and equipment carried in vehicles usually need separate inland marine coverage — auto policies cover the vehicle, not necessarily what's in it.
Considerations & limitations.
Every policy has terms, conditions, and exclusions. These are the points we walk through before you decide — availability and eligibility vary by carrier.
- Personal auto policies often exclude business use — don't assume a personal policy responds.
- Driver lists, MVR standards, and radius of operation affect eligibility and pricing.
- Hired and non-owned auto is inexpensive and frequently overlooked.
- Higher liability limits are common because commercial accidents draw larger claims.
Frequently asked.
Can I just use my personal auto policy for work?
Sometimes, for very limited use — but many personal policies restrict or exclude business use, and a vehicle titled to the business generally needs a commercial policy. We'll look at how you actually use the vehicle.
What is hired and non-owned auto?
Liability coverage for vehicles your business uses but doesn't own — rentals and employees' personal cars used for work. It's a common contract requirement.
Ready to talk it through?
Send a request anytime. Our response target is five minutes; response times may vary. Submitting a request does not bind or change coverage.