Commercial Auto Insurance
If the truck hauls tools, runs deliveries, or carries your name on the door, a personal auto policy can deny the claim. This is the policy built to pay it. We shop it across 50+ carriers, drivers and all.
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What is commercial auto insurance?
Commercial auto insurance covers liability and vehicle damage for cars, trucks, and vans used in a business. It steps in where personal auto policies typically stop, because personal insurance companies generally exclude accidents that happen during business use, like deliveries, service calls, and hauling tools.
What this policy is typically built to handle.
- Liability for injuries and property damage your vehicles cause
- Damage to your own vehicles from collisions and other covered causes
- Hired auto: vehicles you rent or borrow for the business
- Non-owned auto: employees driving their personal cars on company business
- Medical payments for people in your vehicle, typically regardless of fault
- Uninsured and underinsured motorist protection
Who usually carries it.
- Businesses that own or lease vehicles for operations, deliveries, or service calls
- Contractors with trucks or vans carrying tools and materials
- Any company whose employees run business errands in their own cars
- Businesses that rent vehicles for work travel
- Fleets of any size, one van to dozens
What it does not cover
- The tools, materials, and cargo inside the vehicle, which generally need their own coverage, often called inland marine.
- Wear and tear and mechanical breakdown, which are typically excluded.
- Personal vehicles owned by employees. Non-owned auto coverage protects the business, not the employee's car.
- Intentional damage and racing, which are commonly excluded.
- Exact terms vary by carrier and policy. We match the coverage to how your vehicles actually get used.
The delivery run
Picture a restaurant supply company sending a driver out on an afternoon delivery. Running behind, he rear-ends a sedan at a red light. The other driver hurts her neck and misses three weeks of work, and the van needs front-end repairs. Then the driver's personal auto insurer looks at the claim and denies it: the vehicle was on business use at the time.
This is where a commercial auto policy earns its keep. It handles the injury and lost-wage claim and repairs the van. With the personal policy off the risk, the commercial policy is the only thing standing between the business and a judgment that could run well into six figures.
Get a QuoteAn illustrative example, not a real claim. Every claim is decided by the insurance company under the terms of the actual policy.
What affects your cost.
No two businesses price the same. The only way to know your number is to quote it, and the quoting part is our job.
- Number and type of vehicles on the policy
- How the vehicles are used and how far they run
- Driver records and years of experience
- Cargo or equipment on board
- Claims history for the business and its drivers
- Limits and deductibles you select
Questions we hear a lot.
Coverage follows the use, not the title. If the vehicle regularly does business work, personal insurers can and do deny claims that happen during business use. Either the vehicle goes on a commercial policy, or the personal insurer needs to know about the business use and endorse it in writing. Guessing wrong here means an uncovered accident, so don't guess. Ask us. It's a five-minute conversation.
One rough driving record can move the pricing on the whole account, and some insurance companies will exclude the driver or decline the risk entirely. The options: place the account with a market that tolerates the record, formally exclude the driver, or take them off the road. We run driving records before quoting, so this surfaces before renewal, not after a claim.
It can become your problem, because after an accident, people sue the business, not just the driver. Hired and non-owned auto coverage sits behind the employee's personal policy and protects the company when their limits run out. It's inexpensive to add and one of the most commonly missed pieces on small business accounts. We check for it on every review.
Yes. The premium adjusts pro-rata for the change, and it's usually a quick call or email to us. If you buy and sell vehicles often, ask about automatic coverage for newly acquired autos, so a truck picked up on a Friday isn't bare over the weekend.
Guides that go deeper.
Coverage that often pairs with this.
- General Liability InsuranceCovers injuries and property damage your business causes to others, plus the legal defense. The policy behind every certificate request.
- Workers Compensation InsuranceMedical bills and lost wages when an employee gets hurt on the job. Required by law in most states once you have employees.
- Commercial Umbrella InsuranceExtra liability limits above your GL, auto, and employer liability. For the claim that blows past a primary policy.
Get your Commercial Auto Insurance quote.
Tell us once. A licensed agent shops it across the 50+ insurance companies we work with and comes back with real options, not a form letter.
- Fill this out. It takes a few minutes, not an afternoon
- A licensed agent shops your file across the 50+ insurance companies we work with
- Quotes come back, on average, within 24 hours²
Disclosures
- Sinai Coverage LLC is an independent insurance agency, not an insurer. Coverage is provided by the insurance companies your policy is placed with. Headquartered in Sunny Isles Beach, Florida. Serving all 50 states.
- Average across recent quote requests. Complex risks and certain coverage lines can take longer.