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Commercial Auto Insurance

Commercial vehicle insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto insurance policy.


This type of business insurance covers many types of commercial vehicles—from automobiles used for business purposes, including company cars, to a wide variety of commercial trucks and vehicles.

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Commercial Auto Insurance 101

What is commercial auto insurance for businesses?

Commercial vehicle insurance is needed to cover the cars, trucks, and vans used in conducting your business. Large fleets, as well as small businesses, should be properly covered by a commercial auto insurance policy.

What kind of vehicles are covered by a commercial auto insurance policy?

Box trucks, food trucks, work vans and service utility trucks are just a few examples of larger commercial vehicles which will require a commercial auto insurance policy, including coverage for employees operating the vehicle and possibly the equipment inside. You may have heard of this coverage referred to as commercial auto insurance, commercial car insurance, truck insurance, or fleet insurance. While commercial vehicle insurance is most commonly associated with trucks or more recognized work vehicles, regular cars and automobiles may also require a commercial auto policy if they're used for business purposes.

Why do you need commercial vehicle insurance?

Certain business usage and vehicle types may be excluded from personal auto insurance policies. Why? Since personal auto policies were not meant for businesses, they are written and rated differently. More important to you—a business owner or manager—businesses often need the particular coverages found in a commercial auto insurance policy.

Determining whether your situation requires commercial auto coverage can still be confusing. Here's a little more information and examples of when you need commercial insurance.

What does commercial vehicle insurance cover?

Commercial vehicle insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.

What are the coverages in a commercial vehicle policy?​

Are the tools and materials in a commercial vehicle insurance policy?

Unattached tools and materials transported in your vehicle are not covered by commercial auto insurance. Tools and equipment are best covered as part of a Business Owner's Policy or general liability policy.

Who is covered to drive my commercial vehicle?

Your commercial auto policy can cover employees, family members, and others as drivers. If someone drives the vehicle on more than an emergency basis, you should add them as a driver to your policy.​

Is my trailer automatically covered by commercial vehicle insurance?

That depends on the size of the trailer.

  • Less than 2,000 pounds gross vehicle weight: It's automatically covered for liability. You'll need to add it to your policy for full coverage in case of theft or damage.

  • More than 2,000 pounds (usually more than one axle): The trailer won't be covered unless you add it to your policy.

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