Commercial Auto Insurance
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Commercial Auto Insurance Guide
Coverage for vehicles used for business purposes
Not sure what coverage you need? Take our free 2-minute quiz to get personalized insurance recommendations.
What is Commercial Auto Insurance?
Commercial Auto Insurance provides essential protection for you and your family. Understanding how it works helps you make better coverage decisions.
Key Features
- Coverage details and benefits
- What’s typically included
- Common exclusions to be aware of
- Cost factors that affect premiums
Who Needs Commercial Auto Insurance?
Learn whether this type of coverage is right for your situation and how to determine the appropriate coverage amount.
How to Choose a Policy
Tips for comparing policies, understanding terms, and finding the best value for your needs.
Frequently Asked Questions
Common questions about commercial auto insurance answered.
Related Checklists
- Starting a Business Checklist - Vehicle coverage for new businesses
- Going Freelance Checklist - Commercial auto for gig workers
Related Insurance Types
- Business Owners Policy - Bundled coverage for small businesses
- General Liability Insurance - Non-auto business liability coverage
Related Guides
- Auto Insurance Guide - Personal vs commercial coverage
- Insurance for Small Business Owners - Business vehicle coverage
- Insurance for Gig Workers - Coverage for delivery and rideshare
Frequently Asked Questions
When do I need commercial auto insurance?
You need commercial auto if vehicles are titled to your business, employees drive for work purposes, you transport goods or people for hire, or you use vehicles for heavy equipment or specialized purposes. Personal auto policies typically exclude business use beyond occasional commuting.
Does my personal auto policy cover business driving?
Personal auto policies cover normal commuting but often exclude regular business use—especially delivery, transporting goods for pay, or using the vehicle as essential equipment. Review your policy’s business use exclusions. Using a personal vehicle for business without proper coverage could void claims.
What's hired and non-owned auto coverage?
This covers liability when employees drive their personal vehicles for work or when you rent vehicles for business. It doesn’t cover damage to the employee’s car but protects your business if they cause an accident while on business. It’s essential if employees ever drive for work, even occasionally.
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Business by State
Business requirements and costs vary significantly by state. Select your state for specific regulations, average premiums, and local resources.