Commercial Auto Insurance

Business Insurance

Cover the vehicles your business runs on.

One work van or a yard full of trucks. Personal auto policies exclude business use more often than owners realize, and the exclusion surfaces at the worst possible moment.

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The Basics

Business use is not covered by a personal policy.

If a vehicle is titled to the business, carries tools or product, is lettered, or is used to make deliveries and service calls, it belongs on a commercial auto policy. Carriers deny personal auto claims on this basis regularly.

There is also an exposure most owners miss entirely: employees running errands in their own cars. If they cause an accident on company time, the business gets named. Hired and non-owned auto coverage exists for exactly that.

Liability and physical damage on owned vehicles
Hired and non-owned auto for rentals and employee vehicles
Trailers, service bodies and permanently attached equipment
Driver screening standards that keep your rates down

Hauling for Hire?

If you carry freight for others under an operating authority, you need a trucking program rather than commercial auto. Different filings, different carriers, different pricing.

See Commercial Trucking Insurance →

What’s Included

Core protections on a commercial auto policy

Liability Coverage

Injury and property damage your drivers cause to others.

Collision & Comprehensive

Repairs your own vehicles after a crash, theft, fire or vandalism.

Hired & Non-Owned

Covers rentals and employees driving personal vehicles on business.

Uninsured Motorist

Protects your drivers when the at-fault party has no coverage.

Trailers & Equipment

Trailers and permanently mounted equipment scheduled to the policy.

Downtime & Rental

Optional coverage for a replacement vehicle while yours is being repaired.

Common Questions

Commercial Auto FAQs

My truck is in my name, not the business. Which policy?

Titling is one factor, but use matters more. If it hauls tools, product or makes service calls, a personal policy may deny the claim. We can look at the specific vehicle and tell you which side of the line it falls on.

Do I need coverage for employees driving their own cars?

Yes, through hired and non-owned auto. Their personal policy responds first, but your business can still be named in the suit. This coverage is inexpensive relative to the exposure.

How much does a driver’s record affect my rate?

Considerably. Carriers pull MVRs on everyone you list. Setting a written driver standard and checking records before hiring is one of the few reliable ways to hold commercial auto pricing down.

Does it cover tools inside the van?

No. Auto coverage handles the vehicle itself. Tools and materials inside need inland marine or a contractor’s equipment policy.

Let’s get your vehicles on the right policy.

Silverton-based commercial advisors, licensed across six states.

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