Commercial Auto

Auto insurance for vehicles used in business. Personal auto policies exclude a lot of business use, so this fills the gap.

Commercial auto insurance covers vehicles used for business — a very different thing from personal auto, which excludes much business use.

It provides higher liability limits suited to business risk and covers owned vehicles, and (with the right symbols) hired and non-owned ones too. If your work involves driving — deliveries, service calls, hauling equipment, or employees running errands — a personal policy can deny the claim, leaving you exposed.

Even a business that owns no vehicles often needs hired and non-owned auto coverage for the times employees drive rentals or their own cars for work.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.