Commercial auto insurance across the US
Protect your business vehicles with coverage tailored to your industry. Compare quotes from leading insurance carriers and find the right policy for your business.
Coverage Basics
What is commercial auto insurance?
Commercial auto insurance protects vehicles used for business purposes. Unlike a personal auto policy, it is designed for work‑related driving and can help cover accidents, liability claims, vehicle damage, and other covered losses.
Whether you use one company vehicle or manage a fleet, the right policy helps protect your business and meet commercial auto insurance requirements in your state.
Insurance companies we work with
We work with leading insurance carriers that provide commercial auto insurance across the United States. Our licensed agents compare quotes from multiple companies to help your business find the right coverage at a competitive price.
Commercial Auto Insurance
Who needs commercial auto insurance?
If your business uses vehicles for work, commercial auto insurance may be required or strongly recommended. It helps protect your company from financial losses while employees drive for business purposes.
Trucking & transportation
Businesses transporting freight, cargo, or equipment.
Delivery services
Companies delivering food, parcels, furniture, or other products.
Contractors
Construction companies, electricians, plumbers, roofers, HVAC technicians, and other trade professionals.
Landscaping & maintenance
Businesses providing landscaping, lawn care, pool maintenance, cleaning, or pest control services.
Retail & wholesale
Businesses transporting inventory, equipment, or products between locations.
Service businesses
Businesses whose employees travel to customer locations using company vehicles.
how it works
How to get commercial automobile insurance in the USA?
Our knowledgeable agents will help you find the coverage that’s right for you, at a price you can afford.
Make a request
We’ll ask you a few questions about your insurance needs and provide you with a personalized quote.
Cost calculation
We’ll provide you with a clear and transparent breakdown of the costs and explain any discounts or savings you may be eligible for.
Get insurance
Congratulations, you’re now covered by one of the most comprehensive and reliable insurance policies available.
What does commercial auto insurance cover?
Commercial auto insurance can be customized to fit your business. Depending on your policy, it may protect your vehicles, drivers, and business from a wide range of covered risks.
Coverage options vary depending on your business, vehicles, and state requirements. Our agents can help you choose the right combination of coverages for your operations.
- Types of vehicles
- How vehicles are used
- State requirements
Liability coverage
Covers bodily injury and property damage if your business vehicle is responsible for an accident.
Collision coverage
Helps pay to repair or replace your business vehicle after a covered collision, regardless of who was at fault.
Comprehensive coverage
Protects against non‑collision events such as theft, vandalism, fire, storms, or falling objects.
Medical payments
Helps cover medical expenses for drivers and passengers after a covered accident.
Cargo & equipment
Provides protection for tools, equipment, or cargo transported in your business vehicles, depending on your policy.
Commercial umbrella coverage
Provides additional liability protection beyond the limits of your commercial auto policy, helping protect your business from large claims and lawsuits.
Personal auto insurance vs. commercial auto insurance
Not sure which type of insurance your business needs? Here’s a quick comparison to help you understand the difference.
Commercial auto insurance
- Business use
- Covers company vehicles and fleets
- Designed for daily business operations
- Higher liability limits available
- Can cover employees driving for business
- Best for businesses
Personal auto insurance
- Personal driving
- Covers personal vehicles
- Limited business use
- Lower liability limits
- Usually doesn't cover employees driving for work
- Best for individuals
Frequently asked questions
Can I insure multiple business vehicles under one policy?
Yes. Most commercial auto policies can cover multiple vehicles under a single policy, which is often simpler and more cost-effective than insuring each vehicle separately. Coverage limits and pricing depend on the number and type of vehicles.
Does commercial auto insurance cover rented or borrowed vehicles?
Some commercial auto policies extend coverage to rented, borrowed, or hired vehicles used for business purposes, but this isn’t automatic on every policy. Ask your agent whether hired and non‑owned auto coverage is included or needs to be added.
Do I need commercial auto insurance for just one business vehicle?
If a vehicle is used for business purposes — even occasionally — it generally needs to be covered by a commercial auto policy rather than a personal auto policy, regardless of whether you have one vehicle or a full fleet.
What information do I need to get a commercial auto insurance quote?
You’ll typically need basic business details, the number and type of vehicles, how they’re used, driver information, and your desired coverage limits. A licensed agent can walk you through exactly what’s needed for your state.
Can employees drive vehicles covered by my commercial auto insurance policy?
In most cases, yes — as long as the employee is listed as an authorized driver and meets the insurer’s requirements. Coverage details vary by policy, so it’s worth confirming which employees are covered before they get behind the wheel.
Can I get commercial auto insurance if my business operates in multiple states?
Yes. Commercial auto insurance can typically cover vehicles operating across multiple states, though minimum coverage requirements and interstate rules — including FMCSA requirements for qualifying vehicles — may apply on top of your state’s own minimums.
Can I customize my commercial auto insurance coverage?
Yes. Commercial auto coverage can typically be tailored with options like liability, collision, comprehensive, medical payments, and cargo coverage, so you can build a policy that matches your vehicles, industry, and budget.
Get Started
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