What it is
Commercial auto insurance is designed for vehicles used in a business, such as vans, trucks and cars used to serve customers. A personal auto policy may limit or exclude coverage when a vehicle is used for business, so it is worth checking before a claim.
What it may cover
- Liability if a business driver causes injury or damage
- Physical damage to your business vehicles after a covered accident or loss
- Medical payments or uninsured and underinsured motorist coverage, depending on the policy
- Hired and non-owned auto coverage, for rented vehicles or employees driving their own cars on business
Who may need it
You may need this coverage if:
- Your business owns or leases vehicles
- Employees drive for work, in company or personal vehicles
- You carry tools, goods or equipment, or make deliveries or service calls
Coverage, limits, exclusions and eligibility vary by insurance company and policy, so the policy wording is what counts.
Questions worth asking
- Is my current personal auto policy enough for the way I use my vehicle?
- Are employees who drive their own cars for work covered?
- What liability limit makes sense, and do I need an umbrella on top?
- Who needs to be listed as a driver?
Related coverage
Reviewed by a licensed agent. A licensed CBIS agent goes over this section with you, so you only look at what fits your business.
Ready to talk it through? Call (858) 283-7575 or book a free call with a licensed agent. Not sure this is the right coverage? Start with our guide: what insurance does my business need?