Commercial Auto Insurance
For a Fleet of Cars or Just the Occasional Delivery.
Coverage for the Vehicles Your Business Uses
Your business does not need a large fleet to have an auto exposure. A company vehicle, rented van, employee-owned car, client visit, delivery, or quick business errand can all put a vehicle on the road for work.
Commercial auto insurance can help protect your business from certain liability and vehicle damage losses arising from the use of covered autos.
The right coverage depends on which vehicles are used, who owns them, who drives them, and how they are used in the business.
What Commercial Auto Can Help Cover
Commercial auto policies can be structured around the vehicles and exposures of the business. Available coverage depends on the policy, vehicles, selected coverages, and applicable state requirements.
Auto Liability
Coverage for certain bodily injury or property damage for which the insured business becomes legally responsible because of an accident involving a covered auto.
Collision & Comprehensive
Physical damage coverage may help pay for covered damage to insured vehicles from collisions, theft, vandalism, weather, and other covered causes of loss.
Medical & Uninsured Motorist Coverage
Medical payments, personal injury protection, and uninsured or underinsured motorist coverage may be available or required depending on the state and policy.
Hired & Non-Owned Auto
Coverage may be available for certain liability exposures involving vehicles the business rents, hires, or does not own, including employee-owned autos used for business.
No Company Vehicles? You May Still Have an Auto Exposure
Businesses sometimes focus on the vehicles they own and overlook the vehicles they simply use.
If employees or owners drive for work, the business may have an auto liability exposure even when the vehicle belongs to someone else.
- An employee makes a delivery in a personal vehicle.
- A manager drives to a client or vendor meeting.
- An employee runs a business errand on the way home.
- The company rents a car or van for a business trip or event.
- Employees regularly use their own vehicles for company business.
Start With How the Vehicles Are Actually Used
Commercial auto coverage can be written for specific vehicles or more broadly for categories of autos, depending on the policy and the needs of the business.
Vehicle ownership, drivers, territory, business use, vehicle type, limits, physical damage coverage, and whether rented or employee-owned vehicles are used can all affect the insurance program.
What About Drive Other Car Coverage?
A Drive Other Car endorsement may be relevant when certain individuals are furnished a company vehicle and do not have a personal auto policy of their own. The need for this endorsement depends on the individual situation and policy.
How DiNicola Can Help
Commercial auto starts with understanding who drives, what they drive, and how vehicles are used in the course of business. We help clients look beyond the vehicle list to the exposures behind it.
Review Vehicle Use
We look at company-owned, rented, leased, and employee-owned vehicles and how each is used for business.
Review Drivers
Driver information and motor vehicle records can help identify driving exposures and support sound fleet management practices.
Address Hired & Non-Owned Auto
We help identify situations where vehicles the company does not own may still create a business auto liability exposure.
Safe-Driving Support
Driver policies, training, vehicle-use guidelines, and other safety practices can help reduce commercial auto risk.
Other Business Insurance
Commercial auto is one part of a broader business insurance program. Explore additional coverage options for your business.
Commercial Property Insurance
Explore Coverage →
Crime Insurance
Explore Coverage →
Cyber Liability Insurance
Explore Coverage →
Errors & Omissions Insurance
Explore Coverage →
General Liability Insurance
Explore Coverage →
Management Liability Insurance
Explore Coverage →
Workers' Compensation
Explore Coverage →
Business Insurance Overview
Explore Coverage →This page provides general information about commercial auto insurance. Coverage varies by insurer and policy. Covered autos, insured drivers, liability coverage, physical damage coverage, exclusions, limits, deductibles, endorsements, coverage symbols, and other terms are governed by the policy actually issued.
Let's Talk About Commercial Auto
Tell us who drives for your business, which vehicles are used, and what those vehicles are used for. We can help you review the exposures and understand how commercial auto coverage may fit into your insurance program.