Protect the vehicles that power your business
From service vans to light fleets, we place Business Auto policies with the coverage jobs and contracts demand — liability, physical damage, UM/UIM, and options for Hired & Non‑Owned Auto (HNOA). Certificates fast, help that’s friendly.
Drive with confidence.
What’s typically covered
Auto Liability
Protects against bodily injury & property damage to others from a covered auto. Often written as a Combined Single Limit (CSL).
Physical Damage
Comprehensive & Collision for your owned vehicles. Options for glass, towing, and rental reimbursement vary by carrier.
UM/UIM
Uninsured/Underinsured Motorists — pays you when the at‑fault driver has too little or no insurance (availability & limits are state‑specific).
Medical Payments/PIP
Medical coverage for occupants per state rules; PIP in certain states.
Hired & Non‑Owned Auto (HNOA)
Liability when you rent vehicles or when employees use personal autos for business. (Symbols 8 & 9)
Filings & Certificates
COIs fast. Where applicable, we can help with required filings (e.g., certain federal/state motor carrier filings).
Features vary by carrier and state; some items may require endorsements or sublimits.
Common “Covered Auto” symbols
| Symbol | Meaning | Where you see it |
|---|---|---|
| 1 | Any Auto | Broadest — liability for any auto (owned, hired, non‑owned) |
| 7 | Specifically Described Autos | Scheduled vehicles only (by VIN) |
| 8 | Hired Autos | Leased, hired, rented, or borrowed (not from employees) |
| 9 | Non‑Owned Autos | Autos not owned, hired, or borrowed — typically employees’ autos used for business |
Who needs commercial auto?
- âś“ Contractors and service businesses with work vans/trucks
- âś“ Delivery, catering, retail with local routes
- âś“ Companies asking employees to drive on the job (HNOA)
- âś“ Small fleets and startups needing certificates for jobs
Related coverages
- âś“ Motor Truck Cargo (for transported goods)
- ✓ Garagekeepers (customers’ autos in your care)
- âś“ Inland Marine/Tools (your equipment & trailers)
- ✓ Workers’ Comp (driver injuries)
What underwriters ask for
- âś“ Vehicle list (VIN, year, make/model), garaging ZIPs, radius of operations
- âś“ Driver list with license state & dates; MVRs and any violations
- ✓ Prior losses (3–5 years) and current policy details
- âś“ Use/classification (service, retail, commercial), any towing or livery
- âś“ For carriers subject to transportation rules: DOT/MC as applicable
Get a fast commercial auto quote
Commercial Auto — FAQs
How much does commercial auto cost?
Premiums depend on vehicle types, radius, garaging ZIPs, driver history (MVRs), and loss history. Light service vehicles with clean MVRs are typically the most competitive.
Do I need Hired & Non‑Owned Auto if I don’t own vehicles?
Yes, if employees ever drive personal cars for errands, deliveries, or client visits — HNOA covers your business’s liability exposure.
What limit should I pick?
$1M CSL is common for contracts. We’ll help balance budget, contract needs, and risk profile.
Is cargo covered?
Cargo isn’t covered by standard Business Auto. Ask about Motor Truck Cargo or inland marine options.
Can you provide filings?
Where applicable, we can assist with required federal/state filings for eligible risks. Availability varies by carrier and class.
Insurance products, features, and availability vary by carrier and state. This page is for general informational purposes and does not modify coverage terms or create any binding agreement. Final terms are set by the policy and endorsements issued by the insurer.