Business Auto Insurance
Reliable Protection for the Vehicles That Keep Your Business Moving
What Is Business Auto Insurance?
Business Auto Insurance provides protection for vehicles used for commercial purposes—whether you rely on cars, vans, trucks, or specialty vehicles to operate your business. This coverage applies to vehicles owned, leased, hired, or used by your company and its employees.
Business Auto Insurance helps cover accidents, vehicle damage, injuries, liability claims, and property damage caused during business-related driving. Whether you make deliveries, transport equipment, visit clients, or manage a fleet, this insurance ensures your business stays protected on the road.
Why Do You Need It?
Personal auto insurance does not cover accidents or incidents that occur while using a vehicle for business. If an employee causes an accident, if a delivery vehicle is damaged, or if a work trip leads to injury or property damage, you could face significant out-of-pocket costs without proper commercial coverage.
Business Auto Insurance protects your business from legal claims, medical bills, repair costs, and liability exposures that come with operating vehicles for work. It keeps your business running smoothly, helps you stay compliant, and gives you peace of mind knowing your team and vehicles are covered.
Types of Business Auto Insurance
Liability Coverage – Covers bodily injury and property damage you or your employees cause while driving for business.
Collision Coverage – Pays for repairs to your vehicle after a collision with another vehicle or object.
Comprehensive Coverage – Protects your vehicles from non-collision damage such as theft, vandalism, hail, fire, or falling objects.
Uninsured/Underinsured Motorist Coverage – Covers injuries and damages caused by drivers who have little or no insurance.
Medical Payments Coverage – Helps pay medical bills for you or your passengers after an accident.
Hired & Non-Owned Auto Coverage – Protects your business when employees use personal vehicles or rented vehicles for work.
Cargo & Equipment Coverage – Covers tools, inventory, equipment, or materials transported in your vehicles.
Physical Damage Coverage – Protects business vehicles from damage regardless of fault.
Roadside Assistance – Provides towing, tire changes, jump-starts, and emergency help.
Rental Reimbursement – Covers the cost of a rental vehicle while your work vehicle is being repaired.
Fleet Insurance (If Applicable) – Streamlined coverage for companies operating multiple commercial vehicles.