Commercial Auto Insurance

Protect your business vehicles and drivers with comprehensive commercial auto coverage tailored to your industry needs.

Get Commercial Auto Quote Call (956) 253-3312

Commercial Auto Insurance Essentials

Your business vehicles face unique risks on the road. Our commercial auto insurance provides the protection you need to keep your business moving forward.

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Fleet Protection

Comprehensive coverage for vehicles of all sizes, from company cars to heavy-duty trucks and specialized equipment vehicles.

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Liability Coverage

Essential protection against bodily injury and property damage claims, with higher limits than personal auto policies to protect your business assets.

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Physical Damage

Collision and comprehensive coverage to repair or replace your business vehicles after accidents, theft, vandalism, or weather damage.

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Cargo Protection

Specialized coverage for goods and materials transported in your business vehicles, protecting against loss, damage, or theft of cargo.

Commercial Auto Coverage Options

Choose from a comprehensive range of coverage options designed specifically for business vehicle operations.

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Liability Insurance

Essential protection for third-party claims

  • Bodily injury liability coverage
  • Property damage liability protection
  • Higher coverage limits than personal auto
  • Legal defense cost coverage
  • Business asset protection
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Physical Damage

Comprehensive vehicle protection

  • Collision coverage for accidents
  • Comprehensive for theft and weather
  • Actual cash value or replacement cost
  • Deductible options available
  • Custom equipment coverage
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Medical Payments

Medical coverage for drivers and passengers

  • Medical expenses for employees
  • No-fault medical coverage
  • Coverage regardless of fault
  • Ambulance and hospital costs
  • Rehabilitation expenses
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Uninsured Motorist

Protection from uninsured drivers

  • Coverage for hit-and-run accidents
  • Protection from uninsured drivers
  • Underinsured motorist coverage
  • Bodily injury protection
  • Property damage coverage
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Cargo Insurance

Protection for transported goods

  • Coverage for goods in transit
  • Protection against theft and damage
  • Temperature-sensitive cargo coverage
  • Loading and unloading protection
  • Customer goods liability
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Business Interruption

Coverage for lost income

  • Lost income protection
  • Extra expense coverage
  • Rental vehicle reimbursement
  • Business continuation costs
  • Customer accommodation expenses

Vehicles We Cover

From compact cars to heavy-duty trucks, we provide coverage for all types of business vehicles.

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Company Cars

Sedans, SUVs, and company vehicles for sales, management, and employee use

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Delivery Vans

Cargo vans, delivery trucks, and service vehicles for local and regional operations

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Commercial Trucks

Semi-trucks, tractor-trailers, and heavy-duty vehicles for long-haul transportation

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Construction Vehicles

Dump trucks, cement mixers, cranes, and specialized construction equipment

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Passenger Transport

Buses, shuttles, and vehicles designed for transporting employees or customers

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Specialty Vehicles

Food trucks, mobile offices, agricultural equipment, and custom business vehicles

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Service Vehicles

Ambulances, utility trucks, maintenance vehicles, and emergency response units

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Box Trucks

Moving trucks, delivery vehicles, and enclosed cargo transportation units

Commercial Auto Insurance FAQs

Get answers to common questions about commercial auto insurance coverage.

What's the difference between commercial and personal auto insurance?
Commercial auto insurance provides higher coverage limits, covers business use of vehicles, includes cargo protection, and offers specialized coverages like hired and non-owned auto liability that personal policies don't provide.
Do I need commercial auto insurance for my business?
If you use vehicles for business purposes, transport goods or passengers for profit, or have employees driving company vehicles, you likely need commercial auto insurance. Personal auto policies typically exclude business use.
How much commercial auto insurance coverage do I need?
Coverage needs vary by business type, fleet size, and cargo value. Most businesses need at least $1 million in liability coverage, but high-risk operations may require more. We'll help assess your specific needs.
What factors affect commercial auto insurance rates?
Rates depend on vehicle types, driver records, business location, industry type, coverage limits, annual mileage, cargo types, and safety programs. Better safety records and risk management can lower premiums.
Can I add vehicles to my policy throughout the year?
Yes, most commercial auto policies allow you to add or remove vehicles as needed. You'll typically have automatic coverage for newly acquired vehicles for a short period, giving you time to officially add them to your policy.

Ready to Protect Your Business Fleet?

Get a customized commercial auto insurance quote tailored to your business needs and fleet requirements.

Get Commercial Auto Quote Call (956) 253-3312