About Business Auto Insurance
What is Business Auto Insurance?
Business Auto Insurance covers vehicles owned or used by your business. Personal auto policies typically exclude business use — any vehicle used for commercial purposes needs its own dedicated commercial policy.
What's Covered?
A Business Auto policy can include:
- Liability coverage for bodily injury and property damage
- Collision coverage for damage to your business vehicles
- Comprehensive coverage for theft, weather, and non-collision damage
- Uninsured/underinsured motorist protection
- Medical payments for driver and passenger injuries
- Hired and non-owned auto liability
- Fleet coverage for multiple vehicles under one policy
Do You Need Commercial Auto Coverage?
If any vehicle transports goods, carries tools, hauls clients, or makes deliveries — it needs commercial auto coverage. Even employees using personal vehicles for business errands may expose your company to liability without the right policy.
Using a personal auto policy for business purposes is one of the most common — and costly — coverage gaps we see. Contact us to review your situation.