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Many businesses use vehicles daily to transport tools, deliver products, visit clients, or operate services. Here's a critical mistake: a personal auto policy excludes business use. If an accident happens while using your vehicle for work, your claim can be denied — and you're personally exposed.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Liability Coverage
Pays for bodily injury and property damage caused by your business vehicles. Many states and contracts require $1M Combined Single Limit minimum for commercial use.
Physical Damage (Collision & Comprehensive)
Repairs or replaces your vehicles after a covered loss — collision (impact) and comprehensive (theft, fire, weather, vandalism).
Medical Payments / PIP
Covers medical bills for the driver and passengers regardless of fault. Coverage type varies by state.
Uninsured/Underinsured Motorist
Protects your business when an uninsured or underinsured driver injures your driver or damages your vehicle.
Hired & Non-Owned Auto
Often-overlooked coverage. Protects your business when employees rent vehicles for work or use their personal car for business errands.
When Do You Need Commercial Insurance?
If you use your vehicle for business activities, transport tools or merchandise, have employees who drive, or the vehicle is titled to a company — you need commercial auto. Personal policies typically exclude business use entirely, even if you only use the vehicle occasionally for work.
- Vehicle used for business activities
- Transport of tools, equipment, or inventory
- Employees driving the vehicle
- Vehicle titled to a company or LLC
- Delivery, ride-share, or livery services
Our Approach
We understand how businesses operate. We evaluate how you use your vehicles, identify real risks, and compare carriers.
Evaluate your vehicle usage
Identify real risks
Find the right coverage
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.