Commercial Auto
Commercial Auto Insurance
Any vehicle used for business purposes belongs on a commercial auto policy. Personal auto forms contain business-use exclusions that surface at exactly the wrong moment, and a single at-fault accident involving a work truck can generate a liability claim far larger than the vehicle's value.
Commercial auto has been one of the most challenging lines in the market for several years, with severity driven by litigation and repair costs. Presenting a clean, well-documented fleet submission, with driver lists, motor vehicle records, and a written fleet safety policy, materially affects both the terms you are offered and whether you are offered terms at all.
Liability and physical damage coverage for owned, hired, and non-owned vehicles used in your business operations.
Coverage detail
What commercial auto typically responds to
The items below describe how this line generally behaves. Actual coverage is determined solely by the policy as issued, including its endorsements, exclusions, and limits.
Auto liability
Bodily injury and property damage you become legally liable for while operating a covered auto, plus defense costs.
Physical damage
Collision, comprehensive, and specified-cause-of-loss coverage for your owned units, including trailers and mounted equipment where scheduled.
Hired and non-owned auto
Exposure created when employees rent vehicles or run business errands in their own cars, a gap many growing businesses overlook.
Uninsured and underinsured motorists
Protection when the at-fault driver carries inadequate limits, a meaningful exposure given Florida's minimum financial responsibility levels.
Medical payments and PIP
Statutory personal injury protection and optional medical payments coverage for occupants of your vehicles.
Towing, rental, and downtime
Endorsements that keep a disabled unit from stopping revenue, including rental reimbursement and loss-of-use options.
Who needs it
Businesses that should be reviewing this coverage
- Contractors running pickups, vans, and equipment trailers
- Service and delivery businesses with routed vehicles
- Companies whose employees drive personal vehicles for work errands
- Sales organizations reimbursing mileage or providing car allowances
- Any business renting vehicles for temporary or seasonal capacity
Before you bind
Details that change how this policy performs
Symbols and scheduling
Coverage symbols determine which autos are covered for which coverages. Relying on a schedule alone, without the appropriate blanket symbol, leaves newly acquired units at risk.
Driver selection standards
Written hiring criteria, annual motor vehicle record checks, and a documented policy on personal use are among the few controls that reliably improve both loss experience and pricing.
Radius and use classification
Local, intermediate, and long-haul radius classes carry very different rates. Operations that quietly expand their radius without notifying the carrier create coverage and audit problems.
Umbrella coordination
Auto liability is the most common underlying line for a severe loss. Confirming your umbrella schedules the auto policy and meets its required underlying limits is essential.
Related coverage
Other lines to review alongside this one
- General LiabilityProtection against third-party bodily injury, property damage, and personal and advertising injury claims arising from your operations.
- Workers' CompensationStatutory coverage for employee medical treatment, lost wages, and rehabilitation after a work-related injury or illness.
- Commercial PropertyCoverage for buildings, business personal property, tenant improvements, and the income you lose while damage is repaired.
- Inland MarineCoverage for mobile equipment, tools, property in transit, installation work, and other property that moves or sits away from your premises.
- Surety BondsThree-party guarantees that you will perform an obligation, including bid, performance, payment, and license and permit bonds.
Get a commercial auto quote
Tell us about your operations and we will identify the coverage, limits, and endorsements your situation calls for.
Request a Quote