Any vehicle used for work — from a single pickup truck or cargo van to a fleet of box trucks — needs the right commercial auto insurance policy. Personal car insurance typically excludes or limits business use, which can leave your company and your personal assets exposed after an accident.
InsurixPro helps business owners compare commercial auto insurance quotes from multiple carriers, so you can protect your vehicles, your drivers and your business at a price that makes sense.
What Does Commercial Auto Insurance Cover?
A business auto policy is built around the risks your company faces on the road. Common coverages include:
- Bodily injury and property damage liability — pays for injuries and damage you cause to others
- Uninsured and underinsured motorist coverage — protects you when the at-fault driver has little or no insurance
- Medical payments or personal injury protection (PIP) — helps with medical bills for you and your passengers
- Comprehensive coverage — theft, vandalism, fire, hail, flood and animal collisions
- Collision coverage — damage to your vehicle after an accident, regardless of fault
- Hired and non-owned auto (HNOA) — liability when employees use rented or personal vehicles for work
- Motor truck cargo — protection for goods and materials you transport
Who Needs Commercial Auto Insurance?
If your business owns or leases vehicles, has employees who drive for work, transports tools, equipment or products, or carries passengers for a fee, you likely need commercial auto coverage. Many customers, general contractors and municipalities also require proof of commercial auto insurance before you can start a job.
We quote commercial auto insurance for contractors, landscapers, plumbers, electricians, HVAC companies, cleaning services, couriers, delivery drivers, caterers, mobile mechanics, auto haulers, tow operators and many other industries.
Vehicles We Can Help Insure
- Pickup trucks and work trucks
- Cargo vans and sprinter vans
- Box trucks and straight trucks
- Dump trucks, flatbeds and stake-bed trucks
- Service and utility body trucks
- Tractor-trailers and semi trucks
- Utility, enclosed and equipment trailers
How Much Does Commercial Auto Insurance Cost?
There is no single price for commercial auto insurance. Premiums depend on the vehicle type and weight, garaging location, driving radius, the industry you work in, the experience and records of your drivers, your claims history and the limits and deductibles you select.
Because every carrier weighs these factors differently, comparing multiple quotes is the most reliable way to lower your premium without removing coverage you actually need. Choosing appropriate deductibles, keeping clean driving records and maintaining continuous insurance can also help reduce costs over time.
Choosing the Right Liability Limits
State minimum liability limits are often far too low for a business. A single serious accident involving injuries can easily exceed minimum limits, leaving your company responsible for the difference. Many businesses choose $1,000,000 combined single limit (CSL) liability, and contracts frequently require it. We will help you compare pricing at different limits so you can make an informed decision.
Tips to Lower Your Business Auto Insurance Premium
- Run motor vehicle reports (MVRs) and hire experienced, safe drivers
- List accurate vehicle use and radius of operation
- Consider higher physical damage deductibles on older vehicles
- Install telematics or dash cameras where carriers offer credits
- Avoid lapses in coverage and keep prior insurance documentation
- Review your policy every year at renewal and compare quotes