Commercial Auto Insurance for Your Business Vehicles
Personal auto policies exclude business use. Whether you operate a service fleet, use employee vehicles for work, or run a contracting business, commercial auto insurance covers the gaps that standard policies won't.
- Liability coverage for accidents involving company vehicles
- Protection for hired and non-owned auto exposure
- Multi-carrier quotes compared so you pay the right premium
The moment you use a vehicle for business purposes—delivering products, transporting clients, running service calls, or supporting field operations—your personal auto policy stops working. Personal auto policies explicitly exclude business-use vehicles and business-related liability, leaving any accident or loss completely uncovered. Commercial auto insurance bridges that gap, providing liability coverage, physical damage protection, and other essential coverages that account for how vehicles are actually used in business operations. Unlike personal auto insurance, which is designed for private transportation, commercial auto policies understand that business vehicles face different risks: higher mileage, deliveries at multiple stops, cargo exposure, and employees behind the wheel.
Businesses use vehicles in countless ways, and each use pattern creates different insurance needs. A plumber driving a work truck with installed tools and equipment faces different exposures than a delivery service with a small fleet, which faces different risks than a construction company whose employees drive personal vehicles to job sites. A rideshare driver has exposure that a sales representative meeting clients in their own car doesn't. Commercial auto insurance isn't a one-size-fits-all policy; it's built to address the specific ways your business moves people, products, and services. Getting it right means understanding your exact operation, identifying where liability and physical damage exposure lives, and building a policy that actually matches your fleet and driving patterns.
California's insurance market and the state's driving patterns create specific challenges for businesses running vehicles. The state's traffic density, urban sprawl across the Inland Empire, and high medical-cost environment mean that bodily injury claims tend to run higher than national averages. Contractors, delivery services, and service businesses that operate across multiple California communities face exposure that varies significantly by region—and insurance carriers price accordingly. At Covered By Us, we work with businesses throughout the Inland Empire and Southern California, understanding both the operational realities of how your business uses vehicles and the specific insurance carrier landscape in California. We can help you avoid both underinsurance (too little coverage for the risk you're running) and overinsurance (paying for coverage you genuinely don't need).
Whether you're a small business adding your first company vehicle, a growing service operation managing a small fleet, or an established contractor with a large operation, commercial auto insurance is a cornerstone coverage. It protects your business assets, your employees, and your company's financial stability from the risks inherent in any business-related driving. Let's walk through exactly what commercial auto insurance covers, who needs it, what it costs, and how to get it right for your operation.
Who Needs Commercial Auto Insurance
Commercial auto insurance isn't limited to traditional delivery services. Any business that uses vehicles for work purposes faces coverage gaps that only commercial auto insurance closes. Here are the primary business profiles for whom commercial auto insurance is essential:
Delivery and Service Businesses with Fleets
Pizza delivery, plumbing services, HVAC contractors, landscaping companies, and similar businesses that operate vehicle fleets as part of their core operation absolutely require commercial auto insurance. Their vehicles are business assets that generate revenue directly, and liability exposure is part of daily operations. These businesses face exposure from package/cargo handling, service stops at customer properties, and continuous driving across multiple locations. A delivery service without commercial auto insurance on its fleet is exposed to devastating liability if an accident injures someone or damages property.
Businesses Whose Employees Drive Personal Vehicles for Work
Sales teams visiting clients, consultants traveling to meetings, service coordinators conducting site visits, and similar roles create hired auto exposure when employees use their personal vehicles on company business. Employees' personal auto policies don't cover business use, leaving the employee and the employer potentially exposed. Commercial auto insurance, specifically 'hired auto' coverage, protects your company when an employee's personal vehicle is involved in an accident while conducting company business. Without this coverage, your business could face liability claims that neither your employee's personal policy nor your general liability policy will cover.
Contractors with Work Trucks and Equipment
Plumbers, electricians, carpenters, masons, general contractors, and other trades rely on work trucks equipped with tools, equipment, and materials. These vehicles are often specially outfitted and carry valuable equipment that requires both commercial liability coverage and physical damage protection for the vehicle itself and its attached or mounted equipment. Contractors face exposure from both on-the-job accidents and liability claims arising from their work, and commercial auto insurance is foundational to a comprehensive contractor insurance program.
Businesses with Specialized Vehicles or Trailers
Businesses operating dump trucks, tow vehicles, flatbed trucks, cargo trailers, or other specialized commercial vehicles face unique exposures tied to the cargo, equipment, or specialized use the vehicle handles. Trailer interchange liability (coverage for damage to a trailer you're temporarily operating), cargo coverage, and equipment-on-vehicle coverage are specialized endorsements that may be necessary depending on your operation. These vehicles often require specific underwriting and carrier expertise that standard personal auto policies simply don't address.
Growing Businesses Adding Company Vehicles
Small businesses that have historically relied on owner-operators suddenly adding company vehicles face a transition point where commercial auto insurance becomes necessary. A solo consultant adding a vehicle for regional travel, a small shop hiring delivery staff, or a service business purchasing its first work truck all face the jump from personal auto insurance to commercial coverage. Getting this coverage right from the start prevents gaps and ensures the business is protected as it grows.
Businesses Operating in High-Liability Environments
Any business whose vehicles operate near schools, conduct frequent passenger transportation, operate in dense urban areas with high accident rates, or involve particularly high-value cargo benefits from commercial auto insurance that accounts for elevated liability exposure. School transportation, employee shuttles, armored vehicle services, and similar operations face heightened liability risk and require commercial policies built for those specific exposures.
What Commercial Auto Insurance Covers
Liability Coverage for Bodily Injury and Property Damage
If your business vehicle causes an accident that injures someone or damages their property, your liability coverage pays for medical bills, lost wages, property repairs, and legal defense. Typical limits run $25,000/$50,000/$25,000 (per-person/per-accident/property damage) for small businesses and can extend to $1M+ for larger operations. California's high medical costs and active litigation environment make adequate liability limits essential—claims can easily exceed $100,000 in a serious accident. This is the foundation of any commercial auto policy.
Physical Damage Coverage (Collision and Comprehensive)
Collision coverage pays to repair or replace your business vehicle if it's involved in an accident. Comprehensive coverage pays for damage from theft, vandalism, weather, animals, and other non-collision causes. Unlike liability coverage, which protects you from claims by others, physical damage coverage protects your own assets. Many lenders require both collision and comprehensive for financed vehicles. These coverages help ensure your business isn't sidelined by vehicle damage—your operation can continue with repairs or replacement.
Hired Auto Liability Coverage
When an employee uses their personal vehicle on company business, your liability coverage for that employee's vehicle gap is addressed by hired auto liability. This covers bodily injury and property damage the employee causes while driving their personal vehicle for your business. It's one of the most commonly overlooked coverages, yet it's essential for any business where employees travel on company business. Without hired auto coverage, your business could be sued directly for accidents that occur during company-related driving, even though the employee owns the vehicle.
Non-Owned Auto Liability Coverage
Separate from hired auto, non-owned auto coverage protects your business if an employee borrows a friend's or family member's vehicle for company purposes and causes an accident. This coverage is broader than hired auto because it covers situations where the vehicle borrowing is less formal or more opportunistic. Many commercial auto policies include non-owned coverage automatically, but it's worth confirming your policy includes it, especially for businesses where vehicle borrowing might be informal or occasional.
Medical Payments Coverage
Medical payments coverage pays reasonable medical expenses for anyone injured in your vehicle, regardless of fault. An employee injured in a company vehicle, a customer riding along, or even a third party injured in an accident—medical payments covers their ER visits, ambulance, and initial treatment without requiring a liability determination or lawsuit. Limits typically range from $1,000 to $10,000 per person, and this coverage can prevent small incidents from becoming major liability claims.
Uninsured and Underinsured Motorist Coverage
If an uninsured driver or a driver with insufficient liability coverage causes an accident involving your business vehicle, your uninsured/underinsured motorist coverage pays for your own vehicle damage and medical expenses. This protects your business from bearing the cost when the at-fault party can't pay. California requires uninsured motorist coverage to match your liability limits, making this a mandatory protection. In the Inland Empire and Southern California, uninsured driver exposure is significant—this coverage is essential.
Cargo Coverage
For delivery services, courier operations, and similar businesses that carry products or materials, cargo coverage protects the value of goods you're transporting if they're damaged, stolen, or lost. This is particularly important for high-value shipments, perishable goods requiring temperature control, or specialized cargo with significant value. Without cargo coverage, your business absorbs the loss of goods, which can be substantial. Cargo coverage can be written as part of your commercial auto policy or as a separate policy depending on your operation and the underwriter.
Trailer Interchange Liability
Businesses that occasionally operate trailers they don't own—such as construction companies renting equipment trailers or courier services using rented cargo trailers—need trailer interchange coverage. This covers your liability for damage to the trailer while you're operating it. Without this coverage, if you damage a rented or borrowed trailer, you're personally liable for repairs. This is a specialized coverage that's often overlooked but essential for businesses that operate trailers intermittently.
Rental Reimbursement Coverage
If one of your business vehicles is disabled by an accident or damage, rental reimbursement coverage pays for a rental vehicle so your business operations can continue uninterrupted. Limits typically range from $30–$50 per day, and this coverage ensures your team can keep working even while a damaged vehicle is in the shop. For service businesses, delivery operations, and field-intensive businesses, the cost of operational downtime often exceeds the cost of a rental, making this coverage valuable.
Equipment and Tool Coverage
For contractors and service businesses with vehicles equipped with specialized tools, mounted equipment, or installed systems, equipment coverage protects the value of those additions. A work truck with $15,000 in mounted tools and equipment, an HVAC truck with installed diagnostic systems, or a plumbing van with racks of specialized piping all have values beyond the vehicle itself. Equipment coverage ensures that if the vehicle is damaged, the tools and equipment are also protected. This is sometimes called 'tools and equipment coverage' or included through an equipment endorsement.
How to Get Commercial Auto Insurance Coverage
Securing commercial auto insurance involves more than requesting a quote. The process assesses your operation, identifies coverage needs, and places you with a carrier that understands your specific business risks. Here's what the journey looks like:
Document Your Business and Fleet Details
Start by collecting information about your vehicles and operations: how many vehicles you own, their makes/models/years, how they're used (delivery, service calls, contractor work, employee use), annual mileage, the number of drivers, any accidents or violations in your driving record, and details about specialized equipment or cargo. Also note whether employees drive personal vehicles for company business and how frequently. Having this information organized before meeting with an agent ensures accurate quotes and prevents missing coverages later.
Assess Your Specific Exposures and Coverage Needs
Different businesses have different exposure profiles. A plumbing service needs different coverage than a courier service, which needs different coverage than a construction contractor. An independent agent will ask about your operation: Are employees occasionally sent on client visits in personal vehicles? Do you transport cargo or specialized equipment? Do any vehicles sit overnight in high-crime areas? Do you occasionally use rented trailers? These details determine which coverages you actually need and help prevent both overinsurance and critical gaps.
Shop Multiple Carriers for Commercial Auto Coverage
Commercial auto carriers have different appetite for different business types and geographic areas. Some carriers specialize in service businesses and contractors; others focus on delivery services. Some aggressively price coverage in the Inland Empire; others have pulled back. An independent agent shops multiple carriers and presents you with competing quotes that show identical coverage so you can compare premiums apples-to-apples. A 20-30% premium difference between carriers isn't uncommon for identical coverage—shopping ensures you don't overpay.
Select Coverage Limits and Endorsements
With your agent, you'll choose liability limits (often in $25/$50/$25k increments, but sometimes much higher for larger operations), physical damage deductibles, whether to include medical payments, hired/non-owned auto coverage, and any specialized endorsements. Your agent explains the cost-benefit of each choice: raising your liability limit from $100k to $300k adds modest premium but dramatically improves protection if a serious accident occurs. Adding cargo coverage if you transport products, or equipment coverage if your vehicles carry specialized tools, ensures you're protecting your actual business assets.
Complete the Commercial Auto Application
You'll complete a detailed commercial auto application providing vehicle information, driver information, loss history, operational details, and other underwriting information. Accuracy is critical—misrepresenting vehicle use (describing business use as personal use, for example) can lead to claim denial later. Many applications ask about safety measures (driver training, vehicle maintenance, loss history). Providing complete and accurate information upfront prevents underwriting delays and ensures the policy issued actually matches your operation.
Underwriting and Approval
The insurance company's underwriting department reviews your application and may request additional information, driving records, accident details, or photos of vehicles. Underwriting typically takes 3-10 business days depending on complexity. For larger fleets or higher-risk operations, underwriting may involve more detailed review. Your agent manages this process on your behalf, answering questions and providing documentation. Once approved, you'll receive your declarations page outlining your coverage, limits, and premium.
Pay Premium and Activate Coverage
Commercial auto policies typically require annual or semi-annual premium payment, though some carriers offer monthly payment plans. Once you pay and the carrier issues your policy documents and declarations page, your coverage becomes effective on the specified start date. Confirm that all vehicles you intend to cover are listed on the policy—vehicles not specifically scheduled may not be covered. Many businesses set a calendar reminder for their renewal date to ensure they review coverage annually.
Annual Review and Ongoing Management
Once a year, before your renewal date, review your coverage with your agent. Have you added vehicles to your fleet? Changed how you operate? Had employees join who occasionally drive on company business? Are your current limits still appropriate? This annual review ensures you're maintaining adequate coverage as your business evolves. It's also the ideal time to shop your coverage; rates and carriers shift annually, and an annual shopping review often uncovers cost savings or better coverage options.
Common Commercial Auto Risks & Coverage Gaps
Commercial auto insurance is designed to address risks that personal auto policies ignore. Understanding these risks helps you see why commercial coverage is essential, not optional.
At-Fault Accidents Involving Company Vehicles
When your driver causes an accident that injures someone or damages property, your business faces direct liability. Medical bills, lost wages, property damage repairs, legal defense—all fall on your liability coverage. California's high medical costs mean a serious injury claim can easily reach $250,000+ in expenses. Without adequate liability limits, a single accident could threaten your company's financial stability. This is the primary risk commercial auto insurance addresses.
Liability From Employees Driving Personal Vehicles Without Coverage
Employees' personal auto policies exclude business use, yet businesses regularly send employees on company business in their personal vehicles. If an employee causes an accident while handling a work task, their personal auto policy will deny coverage, and the employer can be sued directly for the accident. Hired auto liability coverage closes this gap, but it's only valuable if you have it. This is one of the most common exposure gaps for growing businesses.
Cargo Damage, Loss, or Theft
Delivery services, product distributors, and businesses transporting valuable goods face exposure when cargo is damaged, lost, or stolen. A damaged shipment, a theft from a parked vehicle, or spoilage during transport can represent significant financial loss. Without cargo coverage, your business absorbs these costs. For high-value cargo or perishable goods, cargo coverage is essential to risk management.
Vehicle Theft or Vandalism in High-Crime Areas
Vehicles parked in urban areas, job sites, or customer locations face theft and vandalism exposure. A stolen work truck represents lost productivity until replacement, plus replacement cost. Comprehensive coverage protects against theft, but it's only valuable if you carry it with an appropriate deductible. Businesses operating in the Inland Empire and urban Southern California face elevated theft risk—comprehensive coverage is worth the cost.
Coverage Gaps Between Personal and Commercial Use
A vehicle used primarily for personal transportation but occasionally for business creates a coverage cliff: the personal auto policy covers personal use but excludes business use, while commercial auto policies may carry higher premiums than a personal policy with business coverage. Business-use endorsements on personal policies often don't provide adequate coverage for commercial operations. Properly classifying vehicle use and obtaining the right coverage for the actual use pattern prevents gaps.
Specialized Vehicle or Equipment Exposure
Dump trucks, concrete trucks, tow trucks, flatbeds, and other specialized vehicles carry exposures—cargo spillage, equipment damage, specialized liability—that standard commercial auto policies don't always address. A dump truck that spills material on a roadway, a tow truck that damages a vehicle being towed, or a concrete truck that damages a building all face specialized liability. Standard commercial auto policies may not cover these risks adequately without specialized underwriting and endorsements.
Uninsured Driver Accidents and Cost of Repairs
California has a substantial uninsured driver population. When your business vehicle is hit by an uninsured driver, uninsured motorist coverage protects your vehicle and medical expenses. Without it, you're forced to absorb collision damage unless the at-fault party can be sued and collected from. In high-traffic areas with high uninsured driver rates, this coverage is essential protection.
Rising Claims Costs and Rate Inflation
Commercial auto insurance rates have risen significantly across California in recent years, driven by rising medical costs, increased frequency of accidents in high-density areas, and carrier reassessment of claims experience. A commercial auto rate that was reasonable five years ago may be uncompetitive today. Businesses that haven't shopped their commercial auto coverage in several years may be paying 20-30% more than necessary. Annual shopping and policy reviews are essential to managing costs.
California-Specific Commercial Auto Insurance Requirements
California imposes specific requirements on businesses operating vehicles for commercial purposes, and these requirements differ from federal guidelines and from those in most other states. The state's liability environment, its specific vehicle code provisions, and its insurance market structure create a unique regulatory landscape that commercial auto insurance must address. Understanding California's requirements helps business owners avoid both coverage gaps and unnecessary overinsurance. The state's requirements cover both what your business vehicles must carry and how that coverage interacts with the state's financial responsibility laws.
California Vehicle Code requires that any vehicle involved in a for-profit business operation must carry commercial auto insurance meeting specific liability minimums. These minimums are set higher than those for personal vehicles, recognizing that business use creates greater exposure. Confirm your operation's current state-mandated minimums with your agent, since businesses transporting passengers or hazardous materials face higher statutory requirements. These minimums represent the legal floor below which your business cannot go—they're often insufficient to actually protect your operation, but they're the legal requirement.
California's strong bodily injury and wrongful death litigation environment means that even the state-mandated minimum liability limits are inadequate for actual risk management. Serious injury claims routinely exceed $250,000; wrongful death claims can reach $1M+. Businesses that operate with only the California minimum liability limits are gambling that they'll never face a serious claim. Most agents recommend commercial auto liability limits of at least $100,000/$300,000 (per-person/per-accident) for small businesses and $300,000/$500,000 or higher for larger operations, contractors, and high-volume delivery services. California's cost of living and medical costs ensure that claims will be expensive.
California Liability Minimum Requirements for Commercial Vehicles
California law establishes baseline liability insurance requirements for any commercial vehicle operating in the state, and these state-mandated minimums are almost always inadequate for actual business liability exposure. Vehicles used for rideshare, commercial passenger transport, or hazmat transport face higher minimums set by additional regulations. Confirm your business operation's specific requirements with your agent.
For-Profit Business vs. Personal Use Classification
California distinguishes strictly between vehicles used for personal transportation and those used in a for-profit business. The moment a vehicle is used for business purposes—including regular business-related driving—California's commercial liability requirements apply. Businesses misclassifying vehicles as personal use when they're actually used for business purposes face coverage denial if a claim occurs. Accurately classifying how your vehicles are used ensures you have the right coverage.
Hired and Non-Owned Auto Liability Requirement
Businesses regularly face exposure when employees use personal vehicles for company purposes. California doesn't require businesses to carry hired/non-owned auto liability, but the exposure exists: the employee's personal auto policy excludes business use, and the employer can face direct liability claims for accidents caused by employees driving personal vehicles on company business. Most reputable commercial auto policies include hired auto coverage, but it's worth confirming.
Uninsured/Underinsured Motorist Coverage Requirements
California requires uninsured motorist coverage on all auto policies (personal and commercial) at limits matching your liability coverage. This protects your business if hit by an uninsured driver. The requirement is mandatory and typically included automatically on commercial auto policies, but confirming your coverage includes it is essential.
Financial Responsibility Proof and Registration
California requires proof of commercial auto insurance to register any commercial vehicle. When you register a commercial vehicle, you must show active commercial auto insurance coverage meeting state minimums. Annual registration renewal requires proof of continuous coverage. Allowing commercial auto coverage to lapse, even briefly, can result in registration suspension and citations.
What Affects Your Commercial Auto Insurance Rate
- Number and type of vehicles in your fleet—more vehicles mean more exposure; specialized vehicles (dump trucks, tow trucks, flatbeds) typically cost more to insure than standard sedans or light trucks
- How vehicles are used and annual mileage—high-mileage delivery vehicles or service trucks face more risk than occasional-use vehicles; contractor trucks with long jobsite distances may cost more than local service calls
- Driver experience, age, and driving records—younger drivers, or drivers with accidents or violations, significantly increase premiums; fleets with clean driving records qualify for substantial discounts
- Liability limits selected—higher liability limits increase premiums, but the increase is often modest; jumping from $100k to $300k may only increase premium 10-15%
- Physical damage deductible—higher deductibles (e.g., $1,000 vs. $500) lower your premium by offsetting your out-of-pocket risk; the savings often justify the higher deductible if you have reserves
- Cargo and specialized equipment coverage—adding cargo coverage, equipment coverage, or trailer interchange increases premium but protects high-value goods and tools; the cost depends on cargo value and frequency
- Protective equipment and driver training—vehicles with GPS tracking, dash cameras, or driver safety systems often qualify for discounts; driver training programs may earn 5-10% discounts
- Geographic territory and operational areas—vehicles operating in dense urban areas with high accident rates (e.g., Los Angeles, Long Beach) carry higher rates; operations in less congested areas typically cost less
- Industry and business type—delivery services, contractors, shuttle services, and similar operations have different risk profiles and rate differently; carrier appetite varies significantly by business type
Commercial Auto Insurance Terminology Explained
Understanding these key terms helps you navigate commercial auto insurance conversations and policies with confidence:
- Hired Auto Coverage
- Insurance protection that covers your business's liability when employees use their personal vehicles for company purposes. Hired auto coverage bridges the gap between your employee's personal auto policy (which excludes business use) and your company's need to be protected from liability arising from business-related driving in personal vehicles.
- Non-Owned Auto Coverage
- Similar to hired auto, but broader—it covers your business's liability when an employee or someone on your behalf uses any vehicle not owned by your company for business purposes. This includes borrowed vehicles, rental cars used on company business, or other non-owned vehicles.
- Bodily Injury Liability
- The portion of your liability coverage that pays for medical bills, lost wages, and damages when your business vehicle causes an accident that injures another person. Separate from property damage liability, which covers damage to the other party's vehicle or property.
- Property Damage Liability
- The portion of your liability coverage that pays for damage to another party's vehicle, property, or structures if your business vehicle causes the damage. Separate from bodily injury liability, which covers injuries to people.
- Cargo Coverage
- Insurance protection for goods, products, or materials your business is transporting. If cargo is damaged, lost, or stolen during transport, cargo coverage reimburses you for the loss. Essential for delivery services, product distributors, and similar operations.
- Collision vs. Comprehensive
- Collision coverage pays for damage to your business vehicle if it's involved in an accident (hitting another vehicle or object). Comprehensive coverage pays for damage from non-collision causes like theft, vandalism, weather, or animals. Both are types of physical damage coverage.
- Trailer Interchange Liability
- Coverage for your liability when you're operating a trailer you don't own. If you damage a rented, borrowed, or leased trailer while operating it for your business, trailer interchange coverage pays for the damage.
- Commercial Vehicle
- Any vehicle used in a for-profit business operation or business-related activity. The moment a vehicle is used for business purposes—even occasionally—it's classified as a commercial vehicle and requires commercial auto insurance rather than personal auto insurance.
Why Covered By Us for Commercial Auto Insurance
We're an independent commercial insurance agency based in Pomona, CA, serving businesses throughout the Inland Empire, Southern California, and statewide. Because we're independent, we shop multiple commercial auto carriers on your behalf—no loyalty to a single insurer means we can find the combination of coverage, limits, and price that actually fits your operation. We work with contractors, delivery services, service businesses, and growing operations every week, so we understand the real-world needs of how different businesses use vehicles. We know which carriers price aggressively for contractor work, which specialize in delivery services, and where capacity is tight. That carrier knowledge translates into better quotes and better terms for your business.
We don't just run a generic quote; we ask about how your business actually uses vehicles, what cargo or equipment is involved, how many employees drive on company business, and what risks matter most to you. Once we understand your operation, we shop carriers and present you with competing quotes showing identical coverage so you can see exactly where savings come from. We'll review your current coverage if you have existing insurance, identify gaps or unnecessary coverages, and recommend a protection strategy that makes financial and operational sense. If your business changes—adding vehicles, changing how you operate, experiencing claims—we revisit your coverage so you stay properly protected without overpaying.
When you work with Covered By Us, you get an agent who understands California's specific commercial auto requirements, who knows the carrier landscape for your business type, and who can translate your operational reality into a policy that actually protects your company. We handle the paperwork, manage underwriting, and stay on top of your coverage as your business evolves. And if you ever have a claim, we're here to advocate for you with the carrier and help you navigate the claims process. Whether you're a solo operator adding your first company vehicle or an established business managing a fleet, our goal is the same: finding you the right coverage at the right price. Start My Quote online or call 909-278-7053 today.
Frequently Asked Questions
What's the difference between commercial auto insurance and personal auto insurance?
Do I need commercial auto insurance if I occasionally use a personal vehicle for business?
What liability limits should I carry for my business vehicles?
Do I need to insure every vehicle in my fleet separately?
What's hired auto coverage and do I need it?
Does commercial auto insurance cover cargo?
What happens if an employee causes an accident in a company vehicle?
How can I lower my commercial auto insurance premium?
Do I need uninsured/underinsured motorist coverage?
How often should I review my commercial auto insurance?
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