Commercial auto is designed around business vehicle use.
Personal auto policies may not be designed for many business-use exposures. Commercial auto coverage can be structured around eligible business-owned vehicles, drivers and liability needs, depending on the carrier and policy.
Liability
Coverage for eligible third-party injury or property damage claims arising from insured vehicle use.
Physical damage
Collision and comprehensive options may be available for covered vehicles.
Drivers
Driver information and vehicle use can be important underwriting factors.
Fleet size
The number and type of vehicles can shape the quote process.
Commercial auto vs. trucking insurance
Businesses using cars, pickups or service vans may fit a commercial auto conversation, while trucking operations can involve specialized exposures such as motor truck cargo and transportation-specific requirements.