Commercial Auto

Coverage for vehicles used in business: auto liability, collision, comprehensive, uninsured/underinsured motorist, and more.

Why a Commercial Auto policy?

Business driving exposes your company to costly losses. Personal auto policies typically exclude business use. Commercial Auto is often required for deliveries, job sites, or fleets.

Common coverages

Liability (BI/PD) for third‑party injuries and damages
Collision and comprehensive
Uninsured/Underinsured Motorist
Medical Payments/PIP (state dependent)

Options & exclusions

Hired & Non‑Owned Auto (HNOA) for rentals/personal vehicles used for work
Driver age/record restrictions
Cargo often covered via separate Motor Truck Cargo/Transit
Usage outside USA/Canada typically excluded

Who needs it?

Delivery, light transport, on‑site services
Construction, maintenance, HVAC, electrical
Shops using pickups and vans
Fleets with multiple vehicles and drivers

Cost factors

Vehicle types, values, usage, mileage
Driver records and loss history
Operating territory and parking/storage
Internal policies (telematics, training)

Pro tip

For couriers and contractors, a Hired & Non‑Owned Auto (HNOA) endorsement covers occasional use of rentals or personal vehicles for work.

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