Commercial Auto Coverage for Your Fleet
Protect your business vehicles  company-owned trucks, employee-driven cars, or heavy equipment  with the right commercial auto policy. We shop 142+ carriers to find the best rates for your fleet.
Get a Free QuoteKeep Your Business Moving with the Right Commercial Auto Coverage
Personal auto policies explicitly exclude vehicles used for business purposes. If you or an employee get into an accident while driving for work  even in a personal car  you could be left with no coverage at all. Commercial auto insurance fills that gap with tailored protection for business-use vehicles.
Whether you own a single work van or manage a fleet of 50 trucks, we match your operation with the right coverage from 142+ carriers. We’ll help you navigate liability limits, physical damage options, cargo coverage, and the unique requirements of your industry.
Types of Commercial Auto Coverage
| Coverage Type | What It Protects | Key Detail |
|---|---|---|
| Liability | Bodily injury & property damage to others when you’re at fault | Coverage limits from $300K – $1M+ per occurrence |
| Collision | Damage to your business vehicle from a crash, regardless of fault | Deductible options from $500 – $2,500 |
| Comprehensive | Non-collision damage  theft, vandalism, fire, hail, falling objects | Protects parked fleet vehicles and equipment |
| Uninsured / Underinsured Motorist | You and your passengers if hit by a driver without enough insurance | Required in many states; recommended for all fleets |
| Cargo | Merchandise, tools, and goods being transported | Motor truck cargo for carriers; inland marine for tools |
Fleet vs. Non-Fleet Coverage
Insurance carriers generally classify commercial auto policies as fleet (5 or more vehicles) or non-fleet (fewer than 5). Fleet policies often come with discounted per-vehicle rates, risk management programs, and dedicated underwriters. Non-fleet policies are written on a per-vehicle basis with more individualized underwriting. We help you determine which classification fits your operation and negotiate the best structure for your business.
Fleet programs also offer additional benefits such as loss prevention consulting, driver training resources, telematics-based usage discounts, and multi-year rate guarantees. Even if you have only a few vehicles today, we can structure your policy to scale as your business grows.
Business Use Classification
How your vehicles are used matters greatly to underwriters. Common business use classes include:
- Service & Delivery: Plumbers, electricians, couriers, food delivery  moderate local driving with equipment or goods
- Contractor & Construction: Heavy trucks with tools, trailers, and materials  higher risk profile
- Transportation & Hauling: Trucking companies, freight brokers, and for-hire carriers  cargo coverage essential
- Sales & Field Service: Real estate agents, inspectors, insurance adjusters  lighter use but still business-classified
- Hired & Non-Owned Auto (HNOA): Covers your business when employees drive personal vehicles for work  essential if you reimburse mileage
Getting the classification right is critical. A misclassification can lead to claim denials. We’ll guide you through the correct classification for each vehicle in your operation.
Dedicated Claims Support
When a commercial vehicle accident happens, downtime costs real money. Our claims advocacy team works directly with adjusters to get your claims processed and paid quickly. We help you document losses, coordinate rental vehicles, and fight for fair settlements  so you can get back on the road faster.
We also assist with Certificate of Insurance requests, policy endorsements for newly acquired vehicles, and periodic coverage audits to ensure your fleet stays properly covered as your business evolves.
Frequently Asked Questions
Get Your Fleet Covered Today
Request a free commercial auto quote. We’ll shop 142+ carriers to find the right coverage at the best price  whether you have one vehicle or fifty.