Commercial Auto
Commercial auto insurance for business vehicles.
Request coverage options for work trucks, business vehicles, fleets, hired/non-owned auto, and commercial driving needs.
What this coverage may help with
Coverage built for vehicles that go to work
Commercial auto may help protect business vehicles, drivers, and the business itself from liability and physical damage when vehicles are used for work — service calls, deliveries, hauling tools, or transporting goods.
We can also discuss hired and non-owned auto for businesses where employees use rentals or personal vehicles for work.
What we typically need for a quote
- Primary vehicle use (service, delivery, hauling, sales)
- Number of vehicles and vehicle schedule (year/make/model/GVW)
- Drivers (names, DOB, license state, violations)
- Radius of operation
- Cargo or hazardous materials, if any
- Desired liability limits
Coverage options
Coverage options to consider
Coverage options vary by carrier, state, and eligibility. Your agent will explain the trade-offs in plain language.
Liability
May help with bodily injury and property damage to others.
Physical Damage
Comprehensive and collision coverage options for owned vehicles.
Hired & Non-Owned
Coverage option for rented or employee-owned vehicles used in business.
Cargo & Tools
Coverage options for what you carry, including inland marine for tools.
Who it's for
Built for businesses on the road
- Contractors with work trucks and vans
- Delivery and last-mile businesses
- Service businesses with mobile crews
- Salespeople using vehicles for client visits
- Multi-vehicle fleets
- Tow operators and specialty vehicles
Why Quick & EZ
A modern independent agency that works for you
- Independent — we shop with multiple top-rated carriers.
- Plain-language guidance from real agents.
- Bilingual support — Hablamos Español.
- Fast quote requests, no call-center runaround.
- Personal and commercial lines under one roof.
- Licensed across multiple states.
Prefer to talk first?
Speak with a licensed agent
Our team will walk you through what's commonly needed and the coverage options that may fit.
Related coverage
Often paired with this coverage
Many clients combine these coverages — bundling can often unlock multi-policy discounts.
Contractors Insurance
GL, comp, auto, tools, and certificates in one path.
Learn more →Workers Compensation
Required in most states when you have employees.
Learn more →General Liability
Foundational liability protection for your business.
Learn more →Business Owners Policy
GL plus property for qualifying small businesses.
Learn more →Personal Auto
For vehicles used only for personal driving.
Learn more →FAQ
Common questions
Why can't I use personal auto for business?+
Personal auto policies typically exclude or limit business use. If you use a vehicle for work, a personal policy may not respond to a claim.
What is hired and non-owned auto coverage?+
Hired and non-owned auto may extend liability coverage when employees use rented or personal vehicles for business. It's a common add-on for businesses that don't own a fleet.
What information do you need for a fleet quote?+
Vehicle list (year/make/model/GVW/VIN), driver info, radius of operation, primary use, cargo type, and desired limits.
Do you cover work trucks and trailers?+
Yes — pickups, vans, box trucks, tow trucks, and trailers can be covered. Some heavy or specialized vehicles require specialty markets.
Can I add roadside assistance?+
Yes, roadside assistance and rental reimbursement are common endorsement options on commercial auto policies.
What is radius of operation?+
It's the distance you regularly travel from your business address. Local, intermediate, and long-haul operations are typically rated differently.
Ready when you are
Request a commercial auto quote.
Tell us about your vehicles and how you use them — we'll review available options with a real licensed agent.
Coverage disclaimer
Submitting a quote request does not bind coverage. Coverage is not effective unless confirmed in writing by the agency or insurance carrier. Coverage options may vary by carrier, state, underwriting, eligibility, and availability. This page provides general information only and does not constitute legal, financial, or insurance advice.
Please note
- Coverage options may vary by carrier, state, underwriting, eligibility, and availability.
- This page provides general information only and does not constitute legal, financial, or insurance advice.