Business

Commercial Auto

Vehicle coverage for business operations on the road.

Liability Limit

Up to $1M CSL

Hired/Non-Owned

Included

Physical Damage

Actual Cash Value

Fleet Options

Available

What does Commercial Auto cover?

Commercial Auto insurance covers vehicles used for business purposes, including owned, hired, and non-owned autos. Employees may drive company vehicles or use their own cars for work tasks. In either case the policy is designed to respond to liability, collision, and comprehensive losses.

Who needs Commercial Auto?

Owned Vehicle Coverage

If you drive a vehicle for your business, this coverage handles liability and physical damage when something goes wrong. Personal auto policies usually exclude business use, leaving a gap this fills.

Hired And Non-Owned

Renting a van or using your personal car for work tasks creates risk that standard policies may not cover. Hired and non-owned auto coverage protects your business in those situations.

Collision And Comprehensive

Collision and comprehensive coverage pay to repair or replace your vehicle after an accident, theft, or other covered loss. That keeps you on the road and earning.

Uninsured Motorist

Not every driver carries enough insurance. Uninsured and underinsured motorist protection helps cover your costs when an at-fault driver cannot pay for the damage they caused.

What's included?

Owned vehicle liability and physical damage

Hired auto coverage for rented vehicles

Non-owned auto liability for employee vehicles

Collision and comprehensive coverage

Uninsured/underinsured motorist protection

Medical payments for vehicle occupants

Roadside assistance add-on available

Fleet discounts for multiple vehicles

Who is this for?

Plumber — Covers your work van and the tools inside it while driving between job sites.

Plumber insurance

Electrician — Covers accidents and vehicle damage while transporting equipment to a job.

Electrician insurance

Food truck — Covers the truck itself in an accident, separate from the equipment inside it.

Food truck insurance

Landscaping — Covers trucks and trailers hauling mowers and equipment between sites.

Landscaping insurance

Handyman — Covers your vehicle when it's used for business, which most personal auto policies exclude.

Handyman insurance

Mover — Covers trucks hauling furniture and boxes, which a personal auto policy typically excludes.

Mover insurance

Contractor — Covers trucks hauling tools, materials, and trailers between sites.

Contractor insurance

Pet sitter — Covers driving between client visits all day, which personal auto policies often exclude.

Pet sitter insurance

Roofer — Covers the truck and trailer hauling ladders, tear-off equipment, and shingles.

Roofer insurance

Cleaning business — Covers driving between jobs with equipment and supplies, which personal auto often excludes.

Cleaning business insurance

See every profession we cover

What are the limits and deductibles?

Liability Limit

Up to $1M CSL

Hired/Non-Owned

Included

Physical Damage

Actual Cash Value

Fleet Options

Available

Frequently Asked Questions

Do I need Commercial Auto if I use my personal car for work?

Often yes. Personal auto policies typically exclude business use, so using your own car for work tasks can leave you unprotected. Non-owned auto coverage helps close that gap.

What is the difference between hired and non-owned auto coverage?

Hired auto coverage applies to vehicles you rent or lease for business, while non-owned auto coverage applies to personal vehicles that employees use for work. Both are available to help cover those situations.

What does CSL mean in the liability limit?

CSL stands for combined single limit, which is a single pool of coverage for both bodily injury and property damage from an accident. Limits are available up to $1 million CSL.

Can I insure more than one vehicle?

Yes. Fleet options are available, and fleet discounts can lower your cost when you insure multiple vehicles under one policy.

Does this policy cover medical bills after an accident?

Yes. Medical payments coverage helps pay for injuries to occupants of your vehicle after a covered accident, regardless of who was at fault.

Is roadside assistance included?

Roadside assistance is available as an add-on, so you can get help with breakdowns, towing, and other roadside issues when you depend on your vehicle for work.

Commercial Auto Pricing

Affordable protection based on your business size and risk level

Commercial Auto

Critical

from $39/mo

Cover your vehicles with Commercial Auto.

Disclaimer: This product is offered subject to availability, carrier underwriting guidelines, eligibility, state of residence, and applicable regulatory approvals. Coverage, limits, premiums, and features may vary by carrier and may change without notice. Quotes shown are estimates and not a guarantee of coverage or final pricing. Final terms are determined by the issuing insurance carrier and outlined in the policy documents. Olli is a licensed insurance producer and not the underwriter of these products.